Development Of Chinese Commercial Banks' Intermediate Business

Subject to the traditional management idea and the financial structure, the ChineseCommercial Bank has long been to deposit and loan as the main business, interest incomeand become the main income, the ratio of intermediary business income has been much lowerthan the western commercial banks. In the strong background development of financialindustry,along with the system reform the State-owned Commercial Bank of our country,andfurther development of joint-stock banks, intermediate business of commercial banksshowed a trend of rapid development, the intermediate business income accounted for theproportion of revenue to rise gradually, the intermediate business of commercial bankprofit model transformation plays a key role.Gradually open the market interest rate in China, financial capital, technology ofdouble disintermediation obvious trend, the Internet financial A new force suddenly rises.background, financial internationalization, integration,liberalization accelerated,deposit and loan as the traditional business of commercial banks, has been a seriousthreat, the development of the intermediate business because the cost of capitalincreases have been paid more and more attention. At the same time, private bank is aboutto open, the deposit insurance system is coming, in the face of all sorts of change andpressure, China’s commercial banks to explore expanding intermediate business. Butcommercial banks accept restriction of traditional management idea, the problems in theprocess of business transformation that our commercial banks face the "transformationtest" and not easily through the.China’s commercial banks face pressures to "elephantdance", and how to solve the structure adjustment of intermediary business in the processof high growth lag, lack the capacity of innovation, the homogenization of seriousproblems. This paper uses a lot of data and examples, to study the development ofintermediate business of Chinese commercial banks,development experience and experienceat the same time analysis and intermediate business of commercial banks in the developedcountries for reference, this article seven of the development of intermediate businessof Chinese commercial banks countermeasures.