Industrial And Commercial Bank Of China Hebei Branch Intermediate Business Research

With the rapid development of the "13th Five-Year" economic restructuring,deepening of interest rate liberalization,the people’s Bank of China announced a cut of continuous and Alipay Internet banking,causing major banks to deposit and loan business scale expansion began to converge,banks gradually in-depth business transformation,intermediate business development has brought a good opportunity.As an important part of the bank’s profit growth,the core competitiveness and the core indicators to measure the level of service,the important role of the intermediary business in the bank gradually highlights.As an important position of the third pillar business of the bank,intermediary business has been established,which has become an important channel for profit growth,and is the core business of the bank’s business transformation.The development and progress of the intermediary business can not only improve the profit growth and stability of the bank,but also provide many convenient services for the real economy,an important way to support the construction of the economy.At present,the integration of Beijing,Tianjin and strategic objectives are being carried out in Hebei,stimulate the growing financial needs of the region.Therefore,the industrial and Commercial Bank of China Hebei branch of the intermediate business ushered in an unprecedented development opportunities.Under this background,this paper is based on the intermediary business of ICBC Hebei branch as the research object,by analyzing the current development situation reveals the ICBC branch in Hebei Province in the middle of business growth is slow,lack of innovation,business income contribution degree is low and internal problems such as uneven development.And analyzes the reasons for these problems,including internal factors and external business environment two reasons.The internal factors include:understanding of bias,lack of systematic and scientific operation mode,weak risk management,unreasonable personnel structure and technological backwardness;external environment include:financial policy restricts the development of intermediate business and market competition.Aiming at these problems of talent team construction and scientific and technological support from developing strategy,improve business model,enhance competitiveness,strengthenning risk control and putting forward countermeasures and suggestions for the development of the intermediary business.These measures are not only the inevitable choice of the industrial and Commercial Bank of China Hebei branch to seize the opportunity to seize the market share of intermediary business,but also the inherent requirements of the stable development of industrial and Commercial Bank of china.