Research On The Factors Affecting The Development Of Intermediate Business Of Commercial Bank

With the gradual opening up of China's financial industry,the living environment of domestic commercial banks is constantly changing.The profit margin of traditional assets and liabilities business is becoming smaller and smaller.Intermediate business has become a new profit growth point for commercial banks.The Interim Provisions for Intermediate Business of Commercial Banks issued by the People's Bank of China on June 21,2001 defines intermediary business as "business that does not constitute assets and liabilities in the statement of commercial banks and forms non-interest income of banks".At present,intermediary business has become one of the three pillars of banking business with assets business and liabilities business.It is an important pillar for Chinese commercial banks to face the competition of commercial banks in western developed countries,meet the challenges of globalization and improve their economic strength.Therefore,through a systematic analysis of the research status of intermediary business development at home and abroad,this paper points out the significance of the research on intermediary business income of commercial banks,and takes the representative domestic CITIC Bank as an example for empirical research.The main contents of this paper are as follows:Firstly,this paper introduces the related theories of intermediary business of commercial banks,and elaborates the development status of intermediary business income of commercial banks in China.On this basis,it compares the development of intermediary business income of commercial banks in China,including the types,total amount and structure of intermediary business income.Secondly,through the analysis of macro and micro factors affecting intermediary business income,based on the relevant data of CITIC Bank,this paper studies the hypothesis and model design of the factors affecting intermediary business income of commercial banks,and draws relevant conclusions through the establishment of empirical analysis model.Finally,through the empirical analysis of the influencing factors of CITIC Bank's intermediary business income,this paper draws the relevant factors of influencing the intermediary business income of commercial banks,analyses and perfects the Countermeasures of improving the intermediary business income of commercial banks from macro and micro perspectives,and puts forward the correlation of promoting the intermediary business income of commercial banks.Suggestion.