On The Development And Innovation Of The Intermediary Business Of Commercial Bank

On 1 December 2006, our banking has passed five years of transition, protection period and started opening to the outside world completely. Bank pursues the benefits instead of the property scale which necessarily results in more keen competition among banks .The keen competition in the development and innovation of the intermediary business must be the focus of competitions. Therefore ,it is essential that we should compare the development conditions and various influential factors etc of the intermediary business at home and abroad ,so as to provide instructive lessons for making reasonable development strategy and enhancing the development speed for the intermediary business at home and abroad.This text is divided into five parts:The first part discusses how to define the intermediary business from the traditional sense ,narrow sense, broad sense ,western financial world, People'Bank of China etc.and compares the service scope of the intermediary business at home and abroad. As the present condition and the expectation for future foreground about the intermediary business are concerned ,this article thinks the definition of intermediary business in《The temporary provisions of the commercial bank's intermediary business》is more reasonable. The intermediary business of commercial bank is defined as the business which does not constitute assets and liabilities in the balance sheet of the commercial bank and generates non-interest income. It is one of the three main businesses of modern commercial bank and as important as assets operation and liabilities operation. The second part carries on the comparison from the income scope, management scope, business category, service means, innovation capacity, and market competition condition of bank's intermediary business at home and abroad; discusses the big gap between domestic bank and foreign bank, between domestic bank with Chinese capital and domestic bank with foreign capital, between the income structure and income level of commercial banks caused by the above in the intermediary business.The third part discusses the factors affect the development and innovation of the intermediary business from two angles. On the external factors, it is...