The Study Of Intermediary Business And Business Performance To The Domestic Listed Commercial Banks

This paper mainly analyzes the operation of the 16 business banks in China over the years.On this basis,it can discuss whether the business contribution of commercial banks can be enhanced in the increasingly fierce market competition and strict supervision,Thus changing the profit model,improve the quality of commercial banking services.From the current macroeconomic situation in China and the financial market environment,relying on spreads to promote business profits increased,the development of space is very narrow.The major commercial banks have tried to transform,strengthen the development of intermediary business,so that intermediary business income has become its new growth point,through the annual report of listed banks in 2015 to understand the five state-owned commercial banks,Industrial and Commercial Bank,Bank of China and China Construction Bank Business operating income accounted for more than 20% of operating income,and small and medium commercial banks,especially China Merchants Bank,Minsheng Bank development speed is relatively fast,more than30%.By collating the corresponding financial data of domestic listed commercial banks from 2009 to 2015,this paper compares the operation of commercial banks,the number of intermediate operations,the structure and business,the middle business capital expenditure,and so on.In the horizontal and vertical direction,The results show that different commercial banks in the middle of the business income of this sector showed a growing trend year after year,but the proportion ofintermediate business costs accounted for income continued to decline,indicating that in China's commercial banks operating,the scope of intermediate business Continued broadening,the operating level is growing.In terms of the cross-comparison results of commercial banks,the proportion of business in commercial banks and the business sectors held in the market are relatively small,and quantitatively as their operational performance indicators.For operational performance indicators,large state-owned commercial Banks share more,but small and medium-sized commercial banks grew rapidly.Secondly,we use factor analysis to analyze the operational performance of major listed commercial banks,study the role of different indicators for the turnover of commercial banks,and quantify their indicators,and then through and can reflect the size of the development of intermediate business and operational efficiency of the two The main indicators of the data between the regression analysis,get the appropriate conclusions and a reasonable explanation.Finally,according to the relevant conclusions from the macro and micro perspective of these two points to get the appropriate recommendations.