Intermediate Business Optimization Research Of China Postal Savings Bank Hebei Branch

In recent years,China’s economic growth has slowed down,banking regulatory policies have become stricter,with the acceleration of interest rate marketization,the continuous development of Internet finance,and the increasingly fierce competition of commercial banks,especially for the increasingly perfect capital market,financial non-Intermediary will become a major trend,which greatly challenges the traditional mode in which commercial banks rely mainly on spread income to make profits.The development of intermediary business has gradually become an important way for commercial banks to generate revenue and enhance their core competitiveness.The importance of business has been continuously improved,and the proportion of revenue from intermediary business has also increased.Therefore,the intermediary business has developed into one of the core businesses of the bank.The development of the intermediary business of the Postal Savings Bank can not only improve the bank’s income and operational stability,but also provide convenient financial services for economic entities.It is the core strength of the bank’s transformation and development.This paper introduces the example of its own working bank,introduces the development status of the intermediate business of the postal bank,Hebei Branch,by listing the development of intermediary business such as bank card,wealth management,insurance,payment,bills,etc.,and organizes management and operation management.The intermediate business of the Hebei Branch of the Postal Savings Bank is divided into stars,thin dogs,cash cows and four categories to further evaluate the intermediate business product system.The evaluation of the operating system and the assessment system is summarized,and the existence of the intermediate business of the Hebei Branch of the Postal Savings Bank is listed.problem.Then use the SWOT analysis method to analyze the advantages and disadvantages of the intermediate business of the Hebei Branch of the Postal Savings Bank,as well as the opportunities and challenges,and obtain the optimization direction to further optimize the business strategy,operation management system,product portfolio and talent technology strategy.Finally,in the context of economic transformation and development,financial system reform and the impact of Internet financial development,the Bank of Hebei Branch of the Postal Savings Bank will be elaborated from the aspects of formulating priority development strategy,improving product system,improving management mode,improving assessment system and strengthening talent technical support.The business optimization strategy further proposes specific optimization measures to effectively enhance the competitiveness of the middle business,promote the sustainable and healthy development of the intermediary business,and expand the scale of bank income.