Research On The Development Of China Merchants Bank's Intermediate Business

In the development process of China Merchants Bank,the profit obtained through deposit and loan business has always been the core component of its profits,accounting for about 70% of the total profits of China Merchants Bank,while some banks even accounted for about 80%.This is a common phenomenon in China's banking industry.Over-reliance on deposit and loan business will lead to serious consequences,one of which is that the service ability and financial innovation ability of banking institutions can not meet the new development requirements of the times and customers,especially intermediary business,because intermediary business and traditional deposit and loan business are quite different,more banks are needed.The organization has a strong sense of service to stand out from the fierce competition.The drainage of Internet Finance leads to the loss of customers in the traditional deposit and loan business.Commercial banks have to rethink the operation crisis brought by Internet Finance and network payment.Therefore,how to reconstruct the intermediary business of commercial banks has become an important issue facing most banks.In order to explore the reform direction and mode of the intermediary business of commercial banks,we first define the concepts of network payment and intermediary business,and comb the related theories of financial intermediation,and then analyze the status quo of the intermediary business of China Merchants Bank and its shortcomings.Finally,the paper puts forward some suggestions and plans for improving the intermediary business of China Merchants Bank,and puts forward some safeguards for the intermediary business of China Merchants Bank.In the study,we adopt the methods of literature study,case analysis,investigation and so on.At the same time,we draw the corresponding research conclusions according to the theory of financial liberalization and financial innovation as the guiding theory.In the specific research,we first analyzed the status quo of the intermediary business of China Merchants Bank;secondly,we analyzed the status of China Merchants Bank in the industry;finally,in order to better design the development plan of the intermediary business of China Merchants Bank,we carefully studied the "ant gold clothing" in this network payment business.The benchmarking enterprises in the inter-bank business,after comparing and analyzing the situation of each aspect of the two,put forward the feasible design scheme of the intermediary business of China Merchants Bank,put forward the detailed framework design and implementation standards according to the scheme,and the ultimate goal is to obtain the final information about the intermediary of China Merchants Bank through the design of the scheme.The proposal of combining business with internet payment activities.