Research On The Improvement Of Intermediary Business Of Shaanxi Branch Of Bank Of Communications

In the background of Interest rate marketization,low GDP,low interest rates,Low income,which we called "three low" era has arrived.In recent years,with the implementation of state-owned enterprises to deepen reform and promote the "Belt and Road Initiative"strategy,the reform of the banking industry operation has become a mainstream trend,the strategic reform of China's state-owned commercial banks is the need to adapt to market development,improve profitability.In this paper,the author combined with the background of interest rate market,the first analysis of China's commercial banks in the middle of the short board to draw out the necessity of China's commercial banks to implement the strategic reform.Secondly,the author makes a comparison between the mixed operation mode and the separated operation mode,and points out the advantages of the mixed operation in the stage of emergence.Under the mode of mixed operation,the financial institutions have a variety of business scope,can make the allocation of resources to achieve maximum utility rate,in the mixed operation mode,is the innovation and development of intermediary business,the customer information sharing and development,customer asset allocation and build a platform to analyze the innovation and development of the intermediary business under the mode of mixed operation.The author of the customer information sharing platform to build their own recommendations,Human resource is the driving force of enterprise development,the business scope of domestic commercial banks is gradually widened,and the field is gradually increased.Based on the demand of market economy,the employees of commercial banks have more comprehensive business knowledge.This has put forward new requirements to the human resources management of commercial banks.The author put forward his own views on the innovation of human resources from two aspects of asset liquidity management and the theory of the clock.Finally,the author based on the actual traffic bank S branch of the existing intermediary business,combined with the specific circumstances of Bank of communications research and commercial bank innovation business and put forward suggestions.In this paper,As for the research methods,Literature research method,quantitative analysis,SWOT analysis,comparative analysis,empirical research were used by author..