Research On The Innovation Of Rural Commercial Bank Intermediary Business In Anhui Province

With the deepening reform of interest rate marketization,the traditional commercial bank credit business competition is becoming increasingly fierce,the inherent profit model with interest income mainly by the great impact of rural commercial banks.Due to its location and resource constraints,profitability is difficult to go beyond the same regions of the state-owned banks and joint-stock commercial banks in order to maintain.The market competitiveness of rural commercial banks to conduct business restructuring,so as to achieve the transformation of the profit model.The intermediary business of commercial banks in 1970s the rise of financial liberalization and financial innovation,the bank occupied its own resources but less profitable,is a new commercial bank profit growth is important.Therefore,rural commercial banks should vigorously the development of intermediate business,and the development mode of innovation and exploration,efforts to strengthen its profitability,optimize the allocation of resources,divided Scattered business risk,improve the overall competitiveness.This paper takes the rural commercial banks in Anhui Province as the research object,theoretical research on the intermediate business of commercial banks at home and abroad were reviewed and summarized the theoretical basis of the innovation of intermediate business development in China.At the same time,through the analysis of several typical demonstration province has the development of intermediate business of the rural commercial bank's actual situation,found that rural commercial bank of our province in the middle business innovation development mainly exists in the intermediate business products less,professional talent shortage problem of backward technology and pricing mechanism is not perfect.This paper focuses on the science and technology of Hefei rural commercial bank as an example,the intermediate business income is growing steadily year by year.The resource utilization efficiency is also improved,but still intermediate business income accounted for the low,business varieties less.Finally,this paper combined with case analysis of commercial banks in rural areas of Anhui province middle industry Business innovation and development of the direction of a series of targeted strategies,such as efforts to increase product innovation,improve talent investment,upgrading of scientific and technological means,improve the pricing mechanism.