Evaluation Of The Intermediate Business Income Performance Of Commercial Banks In China

As the reform of financial system deepened and interest rate marketization process advanced in China, the traditional credit business of commercial bank profitability was increasingly facing a severe test.The price competition among commercial banks has weakened the traditional loan business profits further, while commercial Banks were experiencing more operating risk.Under this background,only by changing the management pattern of relying on traditional credit business diversification overly, vigorously developing intermediary business,can commercial banks improve the comprehensive service ability and the market competition strength,which ensures sustained steady development of commercial bank.This passage is to classify the commercial banks into three kinds and focuses on the exploration on the income level of commercial banks,then tries to build the appraisal system about performance of commercial banks’intermediate business income and finally studies on the shortcoming of the current research in this field.The main content of this article includes following aspects:firstly, it introduces the topic background, significance and analyzes the related research in China and abroad and the developing trend,and then,points out the research idea of this paper;secondly,it summerizes the theoretical background of the intermediate business income and introduces different types of the intermediate business,then,it makes concept definition of the intermediary business revenue,emphasize the difference how to distinguish the related concepts of the intermediary business in commercial banks and the necessity of the intermediary business in commercial banks;thirdly,it makes macro inspection of developing situation of three kinds of commercial banks,about large joint-stock commercial banks,small and medium-sized commercial banks and city commercial banks, focuses on the theoretical analysis of their performance and structure and the influencing factors,in order to detect the main issue of the development of the intermediary business;forthly,tries to build and complete the appraisal system about performance of commercial banks’intermediate business income,taking the elements analysis as an example to demonstrate the performance of commercial banks’ intermediate business income;finally,under the background of the current interest rate marketization,according to the appraisal system and indicators and the empirical model analysis,this paper will combine the reality to provide relevant suggestions to the three kinds of commercial banks respectively,basing on two sides as the macroeconomic environment and internal microscopic mechanism.