Research On The Development Potential Of Intermediary Business Of State Owned Commercial Banks

With the progress of financial reform,the basic completion of the marketization of interest rates and the obivious of financial disintermediation,the position of commercial banks in the financial intermediation are impacted,and challenge the commercial bank loan business.especially in the face of the severe financial situation,the overall decline in profit growth of commercial bank,its just rely on tradition spreads to obtain stable income has been very difficult.intermediary business because of its own capital up less,high income and low cost,commercial banks gradually by relying on the traditional business model to the intermediary business,an advantaged tool to commercial bank to gain competitive advantage.Data show that in recent years,the intermediary business of commercial bank net income increase gradually,but the proportion and growth of intermediary business show a trend of diversity,the state-owned commercial banks,joint-stock commercial banks and city commercial banks in the development of intermediary business has a different performance.This article is based on the theoretical groundwork,this paper constructs the evaluation index of intermediary business development potentiality,and around four aspects,including resource factor,the management ability,the managerial efficiency and the exterior environment,the paper carries on the descriptive statistic analysis to the intermediate business development potentiality for the five major state-owned commercial banks,and on this basis,compares with other listed commercial banks further.Secondly,the paper use principal component analysis to analyze the potential of intermediate business development of state-owned commercial banks,in order to further reflect the potential of intermediate business development of state-owned commercial banks,the paper compare the empirical results with other listed commercial banks.The research shows that the potential of the intermediate business development of state-owned commercial banks is higher than the level,but the intermediate business profitability,innovation ability,human resources and risk control is more inadequate.Finally,according to the research results,the paper put forward a series of suggestions,such as the business transformation,business innovation,talent training,personalized services and other aspects of the relevant recommendations.