Research On Intermediate Business Development And Risk Control Of Commercial Banks

With the deepening reform and development of interest rate liberalization and Internet finance,the single form of bank deposit and loan services can no longer meet the needs of customers.Moreover,domestic regulatory policies have emerged in endlessly in recent years,which has brought new opportunities and challenges to the development of commercial banks.The intermediary business of commercial banks can be extended and innovated on the basis of traditional financial products,to help realize the transformation of traditional financial products,and is beneficial to improve the financial ability of banks.Therefore,the innovative development of intermediary business is the only way to realize the transformation and upgrading of commercial bank business.However,what should not be underestimated is the risk problem brought by the innovation and development of intermediate business.There are various kinds of intermediate business,with a wide risk coverage area,and the continuous accumulation of risks will crisis the survival of commercial banks.Therefore,it is very important to value and strengthen the risk control of intermediate business to the development and expansion of commercial banks.First of all,The main research of this paper starts with the study of the development situation of intermediate business of commercial banks.This part first analyzes the development and risk situation of intermediate business of Chinese commercial banks,and generally grasps the current situation of the development of intermediate business and risk control;Secondly,select the leading development of X commercial bank as the research object to explore the development status and problems of the intermediate business of its Y branch,and study the risks of its intermediate business and the problems existing in the risk control process;Finally,according to the actual situation of X Bank Y branch,the targeted optimization countermeasures are put forward to promote the further innovation and development of the intermediate business and improve the risk control.In the thesis,it is found that the intermediate business in China is greatly influenced by the financial environment,and the domestic intermediate business starts late,the business types are seriously homogeneous,the intermediate business income accounts for a low proportion,and the focus of intermediate business development is different;and the risks of the intermediate business are deep concealment,poor controllability and high dispersion,which mainly comes from credit risk,market risk,operational risk,liquidity risk and reputation risk.According to the in-depth analysis of Y Branch of X Bank,it mainly started from two aspects: on the one hand,the development analysis of intermediate business,which found that the development of its intermediate business showed a downward trend of overall volatility,with some problems such as not obvious growth trend,declining system contribution degree,declining market share year by year,and strong dependence on traditional business.On the other hand,the risk control of the intermediate business is discussed,which finds that the risk management mechanism needs to be improved,the risk supervision mechanism needs to be improved,and there are potential accounting and audit risks.At the end of the above problems,the paper puts forward the optimization countermeasures for the development and risk control of commercial banks.The optimization countermeasures for development and innovation include strengthening financial market,giving full play to product advantages and enriching product categories;strengthening internal risk internal control,establishing reasonable risk supervision system,and improving intermediate business accounting and audit system.