Constraints And Strategies: The Development Of Intermediary Business Of Commercial Banks In China

Intermediary business refers to the business that does not constitute assets and liabilities inside the sheet of a commercial bank ,but can form the non-interest income for the bank. With the trend of financial globalization, the competition of financial market is becoming increasingly fierce, and the traditional interestincome of commercial Banks keeps decreasing. Intermediary business gradually becomes an important source of the revenue growth because of its low cost, high income and low risk . Meanwhile it plays an crucial role that can help contact customers serve customers and promote the traditional assets and liabilities business. Intermediary business has gradually become one of the core business of modern commercial banks. Especially when a large number of foreign commercial Banks flood into china, the significance of the development of intermediary business obviously emerges.This thesis mainly adopts the methods as normative analysis comparative analysis, theory practice, qualitative and quantitative research etc. Firstly ,it summarizes the intermediary business definition, types, basic properties and change, expounds the theoretical background of its development , and emphasizes the instructive significance of the financial business innovative theory for China's Intermediary business development. Secondly, I gain much guidance by systematically studying the Intermediary business development condition of western commercial Banks . At the same time, I dialectically analyze the development of intermediary business by studying the subprime crisis. Thirdly, I have found the problems in the development of the commercial bank's Intermediary business in China and systematically discussed the reasons, by analyzing the current situation of the Intermediary business in China's commercial Banks .Finally, I put forward suggestions for the development of intermediary business in China's state-owned commercial banks by way of learning from the experience of the western developed countries.