Intermediary Business Development Strategy About Harbin Branch Of China Merchants Bank

In recent years, the national macro-control efforts have been stepped up, thereserve ratio increase, the bank loan scale expansion is restricted, relying solelyon interest income realized gains profit pattern is very difficult to continue. Withthe head office" second transition " of the strategy carry out, China MerchantsBank Harbin branch is committed to by spreads dominant profit pattern tooff-balance sheet (intermediate) business dominant profit model change,develop intermediary business energetically, strive to reduce the capital cost,intermediary business revenue and market share ratio rises steadily. But at thesame time, the Harbin branch of China Merchants Bank in the development ofthe intermediary business philosophy, product innovation, economic benefits,system construction, management, risk control and many other aspects ofproblems or insufficient, restricted to a certain extent the business ’s sustainabledevelopment. This paper starts with the changing stages of China bankingregulatory internal organizational patterns, analyzes the Heilongjiang bankingsupervisory external environment, such as the world economic and financialimpact being deepened, financial market structure and financing methods beingchanged, banking development and product innovation being accelerated andinformation construction being speeded up, points out the shortcomings of theexisting supervision organization pattern, such as lacking of division based onspecialization, effective use of supervisory means and methods, counterbalancebetween the regulatory departments and effective integration o f human resources.This paper defines the organization pattern based on regulatory process forbanking supervision, introduces the international banking supervision efficacyrequirements and the banking regulatory process experience, brings forward thegeneral idea, basic principles and frameworks, and on this basis established theHeilongjiang banking supervision organization pattern based on regulatoryprocess and regulatory processes. Finally, this article points out the positiveeffects and the deficiencies of this new organization pattern, and makesimprovement measures.This article from the domestic and foreign commercial bank middle service development present situation and the trend proceed with, combine domestic andinternational and regional macroeconomic, financial situation and the Harbinbranch of China Merchants Bank business actual, specific analysis of the Harbinbranch of China Merchants Bank intermediate business development presentsituation, existing problems and the internal and external favorable andunfavorable condition in the foundation, from macroscopical design andimplementation of microcosmic two levels put forward to solve the problem ofthe overall train of thought, basic principle, short-term goals and businesslocation, to the Harbin branch of China Merchants Bank how to solve therestriction in developing the intermediate business difficulties, promotion of theintermediate business to develop well and fast, the macro strategy research,offered microcosmic implementation solution approach. Finally, according to theHarbin branch of China Merchants Bank intermediate business’s sustainabledevelopment, put forward with some prospective and specific implementationsuggestion.