The Research On The Strategy Of Intermediary Business In China Commercial Bank

As worldwide financial control loosening and non-banking financial institutions increasing,and the competition between traditional bank intensifies, the profiting of commercial banks which acquire revenue by the margin of lending and borrowing is affected .Under this kind of background, thanks to the developed finance markets and financial innovation, commercial banks in flourishing economies gain their main profit by the intermediary business . We promise to gradually open the finance markets of our country completely after joining WTO, therefore completely entering of the foreign capital banks and gradually developing of their business will have a great impact on the financial structure of our banking system .And foreign capital banks are experienced in intermediary business development, this will by all means cause intermediary business of our commercial banks being subjected to be squeezed.In this case, currently we should study the strategy of intermediary business development of our commercial banks.This text firstly defines the related notion range of intermediary business, and outlines the related background of intermediary business deveolpment ,also explains the importantce of the research.On this foundation, the text introduces the development of present condition and characteristics of domestic and foreign commercial banks, finally it gets the conclusion that our commercial banks should develop intermediary business by analyzing the margin between Chinese and foreign commercial banks in intermediary business.Through getting the factors which limit the development of intermediary business ,the text carries on some developing strategies By studying the proportion of intermediary business income, product type, business marketing ideas and service gaps in technology, and analyzing the social environment, industry factors, institutional factors and other aspects of constraints,the text passage summarizes some development of strategies,for instance, improving pricing mechanism of intermediary business,and establishing a scientific mechanism for risk prevention.