China Merchants Bank's Intermediate Business Development Research

From 1980's , intermediate business of Commercial Banks in Western developed countries Developed rapidly, which have a great effect on the western commercial banks and global banking industry. Non-interest income have been an important component of the income of commercial banks. Intermediate business has a low cost, a high yield, few requirements for capital and can avoid risks to some extent which bring great energy for modern commercial banks and play a great role in serving, linking and stabilizing customers and promoting traditional asset and liability business. With the development of financial globalization and economic integration , intermediate ,as one of the three major types of business in modern commercial banks ,has become one of the development trend in the international financial field.Domestic commercial banks will participate in furious international financial market competition and be confronted with the challenges of stronger foreign banks with china' entry to WTO. Accelerate the development of intermediate business, and narrow the gap to Western commercial have been the necessary selection of our commercial banks development to adapt the trend of international banking development and improve the competitive ability of commercial banks. In view of China Merchants Bank is China's intermediate business of commercial banks in the highest income accounted Bank, so the paper selected intermediate business in China Merchants Bank as a research object, which can provide reference for the other intermediate business of commercial banks.This paper has six parts including introduction and five parts of the body. The main contents are:(1) Summarized some theory about development of intermediate business, Summed up the meaning, classification and nature of intermediate business.(2) By analyzing the development status in intermediate business of commercial banks in China, we can obtain the main reason for the slow development is the concept of constraints and policy constraints.(3) Through the development of the China Merchants Bank's intermediate business Review, analyzed the current situation in intermediate business of China Merchants Bank. Selecting Commercial Banks in Western developed countries and China Merchants Bank to compare, summed up the difficulties and problems.(4) Regarding the difficulties of the China Merchants Bank's intermediate business , we can get the relevant strategy . Including the management merchants, product integration and innovation, marketing strategy, risk control , Talents and Technology.