Research On The Impact Of Intermediary Business Income On The Business Performance Of Shanghai Pudong Development Bank

Commercial Banks are the backbone of China's national economy and an important part of the financial system.The sound management and performance of commercial Banks are not only related to the smooth operation of the economy,but also to the implementation effect of national policies and the smooth development of various economic subjects.With the completion of interest rate liberalization,increasing pressure of financial intermediaries and inter-bank competition,commercial Banks have changed with the changes in the economic development stage,and their functional scope has been expanding.From the traditional deposit and loan business to the diversified intermediate business,Chinese Banks are also experiencing the development of diversified mixed business.Shanghai pudong development bank faces under the background of financial globalization and informationization,the interest income is compressed,to achieve profit model transformation,the low risk,low cost of intermediary business development as its core strategy,continuously strengthen product innovation,make the middle business income increasing trend year by year,so as to make up for the loss of part of the deposit-loan gap,2017,of which the business accounted for 27% or so,but with the developed country commercial bank middle business accounted for more than 50%,compared to have larger gap,of which the business development has a long way.This paper based on the analyzes the intermediary business development research both at home and abroad,then expounds the basic concept of intermediary business,the classified method of international mainstream and the concrete classification standard,our country commercial bank middle business to commercial Banks at the same time performance evaluation methods are summarized,including single index and multi-index classification method.The theoretical part is mainly based on the theory of scope economy,portfolio theory and financial innovation theory.Key part of this article is thoroughly analyzed by using the method of comparative analysis and empirical analysis of Shanghai pudong development bank middle business development advantages and disadvantages,choose 2008-2017 data of Shanghai pudong development bank middle business scale and structure was summarized,and the bank of China and China merchants bank,which is based on data from 2013 to 2017 were analyzed,concluded that Shanghai pudong development bank in the three Banks of which the business relatively center,Shanghai pudong development bank on intermediate business structure in bank card business,such as custody business has a comparative advantage.Finally,the operating performance score of Shanghai pudong development bank is constructed,and the influence of intermediate business income on its performance is analyzed through multiple regression.The following conclusions are drawn: intermediary business income has a positive impact on the operating performance of SPD bank,but this effect is not obvious,which fully reflects that SPD bank's problems such as insufficient development of intermediary business,insufficient innovation and low level of development prevent it from having a significant positive impact on performance.Therefore,based on the above analysis,this paper puts forward reasonable Suggestions and countermeasures for the development of SPD bank's intermediary business.