The Research On The Relationship Of Operation And Performance Of Intermediary Business Of Listed Commercial Banks

Now the social and economic development is becoming more and more market-oriented,the financial industry is no exception,such as the accelerated pace of interest rate market reform,the Internet financial cut a striking figure,the evolution of financial signs of foreign exchange,foreign banks stationed in China's market,the development of these events are the survival of commercial banks The larger threat is mainly reflected in two aspects.First,the continuous breakdown of the financial market makes the opportunities for commercial banks to profit less and less.The innovation of financial form makes the competition in the industry intensively.Second,the interest rate market development makes the spread narrowing,thus affecting the commercial banks of the deposit and loan business,there are crises,there is competition,the entire financial and economic development is relatively slow,the commercial bank's profit point is also declining,the situation is increasingly low,So how can we develop a broad road,is now one of the important business of commercial banks.In this direction of thinking,many commercial banks decided to change and develop,develop a new profit business,while the middle business has become the major commercial banks of choice.Why is the middle business popular?First of all,the middle business is one of the major profit points of the modern bank,and its own low risk,low cost and high return property can greatly help the bank to improve the profit and avoid the risk.Second,although the middle business is widely favored,and now the pace of development is also faster,but compared to the Western developed countries,there is a great distance,such as smaller,lower income,the type is too simple,not enough innovation,and this also Means that commercial banks to develop intermediary business there is a great rise in profit margins.So the major commercial banks are now focused on the development of intermediary business,how to improve the development of intermediary business structure,innovation in the middle of business types,as they consider the current top priority.In addition to bank cards,billing,agency commission,security,the intermediary business can be innovative,determines the future prospects of commercial banks.It can be said that the speed of innovation in the development of intermediate business directly represents the future profitability of commercial banks.Therefore,it is necessary and very important to study how to develop and upgrade the business,which has played a great role in promoting the development of China's financial industry.This paper summarizes the current development situation of the commercial business of China's commercial banks,and sums up the advantages and disadvantages of the commercial business of China's commercial banks from the current development situation.From the background environment and other factors,selected 14 listed commercial banks in China,focusing on their analysis of the financial statements from 2011 to 2016,from which the size of the major commercial banks,the nature of the property.I will be the 14 commercial banks are divided into three categories,namely state-owned holding,joint-stock,listed city class.According to the three types of three types of data templates,according to the template to analyze and calculate the different types of commercial banks its profit and the relationship between intermediary business income.The result is that the profitability of the state-owned and joint-stock commercial banks is related to the profitability of the intermediary business.The profitability of the listed commercial banks and the-profitability of the intermediary business are mutually restrictive,and the correlation is strong Big.From this series of theoretical and empirical research,the author gives the following suggestions on how to develop the intermediary business and improve the profitability of listed banks:broaden the scale of middle business development,increase the proportion of intermediary business in commercial banks;improve the development of intermediate business structure,To promote its positive direction towards the positive development;with the bank card business to promote the development of intermediary business.