The Intermediate Business Development Strategy Research Of Wu Xi Rural Commercial Bank

Wuxi Rural Commercial Bank is a regional commercial bank,its main source of profit was Deposit loan difference.In recent years,with the continuous impact of the interest rate market,financial disintermediation,technical disintermediation,the transformation of social and economic,Wuxi Rural Commercial Bank need to get rid of the traditional profit model,Develop intermediary business.In the aspect of supervision,the CBRC improve the regulatory requirements for capital adequacy and capital restrictions on Bank Subordinated Debt,to a certain extent,the contraction of bank lending,the bank gradually by "Lending bank" to "diversified financial institutions" transformation.In terms of customer requirements,the deposit rate has reduced,the masses to finance,funds and other personal retail intermediary business products an unprecedented strong demand,commercial banks need to seize the opportunity,and effectively meet the demands of customers.Firstly the development of domestic and foreign banks intermediate business to make elaborate,through data analysis and SWOT analysis of Wuxi Rural Commercial Bank intermediary business from the size and type of business in the industry is in a what level.Then,taking Wuxi rural commercial bank as an example,the internal problems are purified through investigation and induction.First focus on how to change its traditional business model,and the product design strategy choice,according to the contribution rate of intermediate business products,development trend and profit model is studied in this paper.It Focus on Agent Intermediate Business?The bank card business?Managed class intermediate business?Payment and settlement business.In the process of formulating the above two strategies,this paper uses the relevant theories in the second chapter,including the synergy effect theory,wealth growth theory,and the financial innovation theory which conforms to the supply change.The conclusion of this paper mainly focuses on three points: one is the Wuxi Rural Commercial Bank must use the transition opportunity.save manpower and material resources into the development and promotion of intermediate business products to.In the process of playing with third parties,be vigilant and take the initiative.Two is to deal with the relationship between the expansion of the scale and cost control.Three,in the process of the development of intermediate business,we should pay attention to the diversification development.