The Study On Strategic Development Of Intermediate Business Of Chinese Commercial Banks Based On SWOT Analytical Method

Under the new situation it is inevitable to develop the intermediate business of thecommercial banks. It can foster the new point of growth of benefit, resistforeign-funded banks impact, and meet its inherent request of survival anddevelopment. With the increasing drastic financial competition and financial risks,constant enhancement of investor's financial consciousness and progress of theinformation technology day after day, to develop the intermediate business andexpand the intermediate business field in a more cost-effective manner have alreadybecome the question that the commercial bank must deal with actively. The greatchanges of the management environment of financial market in our country areaccelerating the development of the intermediate business and bringing theopportunities to the commercial bank of our country. But at the same time, it alsohas brought new risks and challenges. In the face of the opportunities and challenges,how to seize the opportunities, maximize favorable factors and minimizeunfavorable ones, comply with the turn of the market, give play to the comparativeadvantages, evades the risks effectively, accelerate the development of theintermediate business, are worth studying and exploring conscientiously in thecommercial banks of our country. This article considers the intermediate business isthe new point of growth of benefit of commercial banks and one of the mostimportant pillar domains in innovation and development of commercial banks. Atpresent, under background of financial mixed operation, the most effective methodof developing intermediate business is to exploit the management mode of theintermediate business actively, promote the cooperation with insurance, securitiesbusiness of the banking. While continuing developing existing tradition intermediatebusiness, developing and using the new varieties of the intermediate business in amore cost-effective manner realize the expansion and innovation of the intermediatebusiness.Through a large amount of investigation and researches, the dissertation analyzedthe intermediate business of the commercial banks synthetically and summarize itsextant strengths, weaknesses, opportunities, threatens and other factors which madeup of the index system of its strategic development. According to the weight of theindexes at all levels, it calculated the value of every index factor in order to draw theanalytic result of strategy, and then made the strategic objective and whole strategyat last. During the process of concrete analysis, the thesis utilized SWOT, AHP,developing state picture, etc., to launch research synthetically for the sake of makingevery effort to guarantee the thesis' pertinence, practicability and effectiveness.