| The intermediary business of commercial banks is a kind of business that banks,acting as intermediary,charge commissions for receiving or paying funds and for handling all kinds of financial businesses trusted by their customers.In ordinary sense,the intermediary business has lower risk,need less cost and can bring higher profit.As the innovation on financial system deepens,the intermediary business has become closer to the public's everyday life,such as supplying settlement by credit card,collecting fees for utility service,safekeeping of valuables,wealth care and acting as investment consultant for customers.Nowadays the intermediary business,together with the asset and liability businesses have become the 3 supporting businesses of commercial banks.Since 1950s,the intermediary business has made great development in western banking industry.The proportion of the non-interest income,i.e.the intermediary income,to the total income has been rising.From the early 80s to the early 90s,the proportion in Japanese banks had increased from 20.4% to 35.90%;in American banks,from 30% to 38.40%;in G.B.banking industry,from 28.5% to 41%.In some big banks,the proportion was even higher.The proportion in our commercial banks is around 1%,since the business was started very late in our commercial banks,was and is done on a small scale and lack of varieties.Since our country entered WTO,with the country loosening up the regulation upon those foreign-funded banks,the advantages of the sino-funded banks in entering the market no longer exists,all the banks will come to an overall competitive era.The foreign-funded banks will squeeze our financial institutions' developing room in many fields by their advantages on advanced idea about service,strength of the asset,financial technique and their market experiences.Among those,the impact of the intermediary business is the severest.The foreign-funded banks have distinct advantages in technique network,variety tapping experience,the quality of service,etc.,so the competition in the field of the intermediary business is one of a much higher level.To develop the intermediary business with all efforts is an important way for our commercial banks to survive and develop in the severe competition between banks.Under such circumstances,the commercial banks,on one hand,must devote major efforts to develop the intermediary business ,while on the other hand,can not expand the business blindly but to plan it scientifically,develop it reasonably,choose the suitable type and scale practically in order to realize centralization management.At present,it's very common that the commercial banks expanded and developed their intermediary business blindly,regardless of cost,just for more market share.Therefore,in exploring the intermediary business,we have to think fully whether the structure of input and output is reasonable,whether we can make the maximum profit out of the business,and that requires us use the TCM theory to supervise the expansion and the tapping of the business,to consider the developing situation.The TCM theory is a modern management way to adjust the cost and choose the opportunity cost in the banks'management activities of all layers,all categories and all periods,by using the scientific theory of modern management and standardization technique,with the management of liability cost as the major topic.This theory bears the following characteristics:integrity,extensiveness,systematicness,continuousness,initi-ative and dynamicness.Its managing object is all the cost and the corresponding input happened in commercial banks' management.This theory uses the scientific method of modern management to forecast,plan,analyse and to supervise all the cost produced during the management.Through adjusting the cost,lead the direction of cost development,improve the cost profit ratio and the structure and the quality of the cost,guide and control the cost input by working out the standard cost,to make government affair,business,finance,labour and service be into all... |
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