The Study On Intermediate Banking Business Development Of Commercial Bank In China

With assets banking business and liability banking business, the intermediate banking business constitutes the big three mainstay of modern commercial banking business. Intermediate banking business is off-balance-sheet activities. Profit from intermediate banking business is non-interest income of commercial bank. Through intermediate banking business, commercial banks can provide all kinds of financial services. Intermediate banking business in China started from 1970'. Along with the market interest gradually implementing, and the financial market fiercely competing, all the commercial banks in China have developed intermediate banking business strongly since 1995. Compared with balance-sheet business, intermediate banking business has lower risk, smaller cost and more stable income. Development of intermediate banking business has become a tendency of modern commercial banks. Although intermediate banking business has developed more than ten years in China, it still needs enlarge in scale and in degree. This paper tries to provide several measures and suggestions for intermediate banking business development of commercial banks in China, which is based on analyzing the environment inside and outside the commercial banks in China, and constituting the SWOT matrix of intermediate banking business development.This paper is made of six parts:First part is introduction, which introduces the research background, research object and content, research methods, innovation and difficulties.Second part is the theory foundation of this paper, which introduces the definition, characteristics, sorts and significance of intermediate banking business. Besides, this part discusses the theory background of intermediate banking business development.Third part researches the intermediate banking business development in commercial banks of developed countries, which mainly analyze its developing reasons, current circumstance, developing trend, and reference meaning for our country.Forth part researches the intermediate banking business development in commercial banks of China, which includes the developing history, current circumstance, and the comparison with the intermediate banking business in developed countries.Fifth part is the SWOT analyze of intermediate banking business in commercial banks of China, which discusses the environment inside and outside the commercial banks form the aspects of Strength, Weakness, Opportunity and Threats. Based on the analyze, we constitute a SWOT matrix of intermediate banking business development in commercial banks of China.The last part provides three measures and suggestions for intermediate banking business development in commercial banks of China.