Research On The Development And Innovation Of Intermediary Business Of Small And Medium-sized Banks In China

In recent years,the trend of global economic recovery has slowed down,which has caused considerable fluctuations in the development of the financial market as a whole,especially in the development of the banking industry and the level of revenue and expenditure.For China's small and medium-sized commercial banks,in the past,it has been difficult to adapt to the current financial trend by collecting interest from deposits and loans,and to make the economic leverage of interest rate play a more precise role in regulating.With the deepening of China's financial system reform,major banks have adopted diversified,customized and specialized intermediary business to adjust the traditional profit model of commercial banks,and to open up customer markets through innovative business allocation reform.While continuing to develop and improve the traditional business,it is necessary to increase the allocation of intermediary business to reduce the risk of bank operation,optimize the proportion of financial markets,and realize the continuous growth of commercial bank profits.At present,China's small and medium-sized joint-stock commercial banks have good financial products,specialized financial services,flexible and diverse product mix,which has become a new force in the banking industry.However,judging from the overall scale development level of intermediary business of commercial banks and the market share of intermediary business,the development of intermediary business of small and medium-sized commercial banks still has great deficiencies.The research object of this paper is domestic small and medium-sized joint-stock commercial banks.Through describing and analyzing the development status of their intermediate business income,the reasons behind their slow development,obstacles and main problems in the process of development are deeply excavated.Based on the characteristics of domestic small and medium-sized joint-stock commercial banks,some suggestions and ideas are put forward to promote the small and medium-sized joint-stock system.The development of intermediary business income of commercial banks has important reference significance and value.At the same time,it can further clarify the status of small and medium-sized joint-stock commercial banks in domestic commercial banks.Taking the typical small and medium-sized joint-stock commercial banks in China as an example,this paper analyses how to further adjust the product structure and how to change the development thinking,so as to further clarify the status of small and medium-sized joint-stock commercial banks in domestic commercial It is of great significance to further improve the contribution of products to the revenue of intermediary business.In the future,these joint-stock commercial banks with characteristics and great development potential will catch up with and surpass the four major state-owned banks with their unique advantages.