Research On The Development Of Intermediary Business Of Chinese City Commercial Banks Under Interest Rate Marketization

At present,China's market-oriented interest rate reform is advancing with steady steps,in recent years,significant to speed up the market-oriented interest rate reform process,in2015,the central bank has five times in a row to reduce benchmark interest rates for deposits and loans,the interest rate liberalization in China is almost a foregone conclusion.Intermediate business is not affected by size limit and do not take up the bank's own capital.It can for the bank to provide a reliable source of income,has become China's commercial banks under the condition of market-oriented interest rate reform new profit growth point,but also the Commercial Bank of our country under the new financial environment make important strategic adjustment.The City Commercial Bank of our country has the quite special development background,has the important status in the entire banking industry.With the steady progress of interest rate market,the research on the development of city commercial banks in the context of interest rate market is of great significance.This paper first introduces the background and significance of the research,explores the related research results,summarizes the research methods as well as the limitations of the paper,and lists the research framework of the paper.Then the theory is introduced,mainly including the definition,classification of intermediary business and the generation and development of intermediate business.Again to our country city commercial bank intermediary business development carries on the present situation analysis,from the development background,the existence question and so on aspect carries on the analysis.At last,this study empirically studies the influence of the intermediate business of city commercial banks on the banking risk,and puts forward some suggestions for the development of China's urban commercial banks.