Innovation Research On Intermediate Business Development Of China Construction Bank

In recent years, China's commercial banks get the rapid development of intermediate business,and intermediate business products innovative rich. Intermediate business income has become an important new profit growth to commercial bank. Although scholars have said that the Commercial Bank of China's development has entered a "loaned of the times", but the intermediate business of China's commercial banks are still larger compared to the advanced west bank.Active intermediary business innovation, supervision of capital can save and improve the economic rate of return on capital and profitability as a whole, but also by providing high value-added product portfolio to enhance market competitiveness. In the gradual relaxation of financial supervision and technical progress, the reality of the conditions for China's commercial banks to provide business development in the middle of the growing room. China's accession to the WTO and the growing economic integration into the world economic development, environment, the China Construction Bank to comply with the international trend of development of the banking industry, strategic transition from a high degree of awareness and promote the development of big business in the middle.The main content of this article:This article will first review the results of previous studies. Second, this article will use the CCB's relevant statistics, analysis the corresponding of intermediate business, as well as the impact brought about by inspiration. Third, this article will be compared by analyzing the domestic and foreign banks operating in the intermediate business, and then analyzes the development of innovative. According to the study process,this paper will be divided into five chapters, the main contents of each chapter are as follows:Chapter 1: Introduction. From the perspective of the theory and practice, raise questions, background and significance of research. Based on the predecessors' research results, clarifying the purpose of research, research, research methods and research ideas.Chapter 2: The theoretical analysis of the intermediate business innovation. On the basis of Schumpeter's theory of innovation and institutional change theory, and also on the basis of a variety of theoretical analysis intermediate business innovation, this article proposed by China's commercial banks operating in the middle of the theoretical innovation Analysis. Chapter 3: Development and enlightenment of the West Bank. By analysising development of the West Bank in the intermediate business,summed up the West Bank the reasons for business development and practice characteristics in order to better serve CCB's in the intermediate business development.Chapter 4: Intermediate business analysis of China Construction Bank. Analysis of CCB's intermediate business status, find the shortcomings to the abroad banks. China Construction Bank,as the first of China's reform and marketed of state-owned commercial banks, step by step with the international practice, the innovative development of intermediary business has become a realistic choice. Campared with international commercial banks, China Construction Bank operates later in the intermediary business, has smaller species, get lower income. Intermediate business management system, management methods and management tools are still being explored. This article attempts to deepth research development and innovation of d intermediate business, promoting the China Construction Bank get the rapid development of it.Chapter 5: CCB innovate strategies to develope intermediate business. CCB want to get achievment in intermediate business must develop innovative mechanisms to increase product innovation, marketing innovation mechanisms and strengthen risk management, innovation, for the development of science and technology intermediary business Support innovation and support environmental innovation.Chapter 6: Conclusion and Outlook. CCB's road is full of opportunities and challenges. Focus on innovation in the financial risk at the same time to pay attention to the prevention and control, so that in the middle of the business more conducive to innovation in CCB's long-term stability of the sustained and healthy development.