The Research Of Intermediate Business Income On The Performance Of Listed Commercial Banks In China

Based on the research of intermediary business, the thesis is to analyze the developmental present situation of intermediary business in domestic commercial banks, and to find out constraints and shortcomings of domestic commercial banks during developing intermediary business. According to these factors, the financial data from the year of2008to2013of the14listed commercial banks in China have been selected, and on the basis of asset size and properties of these selected listed commercial banks, they are fallen into three categories, state-owned commercial banks, joint-stock commercial banks and city commercial banks. Moreover, three panel data models are established respectively, the impacts of intermediary business income on their business performance among the three types of banks are also been studied. The conclusion is that there is a positive correlation between business performance and the proportion of intermediary business in state-owned commercial banks and joint-stock commercial banks, but not significantly. However, there is a negative correlation between business performance and the proportion of intermediary business in city commercial banks. Therefore, some countermeasures and suggestions about developing intermediary business of our nation's commercial banks are given in this thesis through theoretical analysis and empirical analysis. First of all, the domestic commercial banks should further strengthen the importance of developing intermediary business, increase the intensity of innovation and personnel training, vigorously develop intermediary business, and constantly improve the proportion of intermediary business. Secondly, the domestic commercial banks should make a gradually transition to mixed business by deregulation, so as to create a good environment for intermediary business development. Thirdly, the domestic commercial banks should speed up the transformation of intermediary business structure, and actively develop innovative intermediary business, which is low cost and high yields. But the banks should also pay attention to guarding against risks. At last, the domestic commercial banks should formulate reasonable development strategy of intermediary business based on their specific circumstances when developing intermediary business, because the empirical results show that different performance under the influence of intermediary business of commercial banks are different.