The Analysis Of The Factors On Intermediary Business Development Among Commercial Banks In China

As the center of the finance and the modern economy,commercial banks play an important role in the economic development of a country.Since the reform and opening up,China’s commercial banks gradually get rid of the people’s Bank of China’s single rule,returned to market and completed the joint-stock reform,banks began to expand business and improve services actively,but the traditional lending business is still the main channel of bank profitability,also is the most popular and Investment business.Since the new century,especially after China’s accession to WTO,with the development of the socialist market economy with Chinese characteristics,the commercial banks in China are facing many new challenges.First of all,the competition in the commercial banking industry is becoming more and more intense and fierce.On the one hand,foreign banks continue to enter the competition,and the impact of foreign banks is not just to bring the number of competitors,it is also in service quality and service concept.On the other hand,the establishment and rise of domestic joint-stock banks,city commercial banks and private banks also increased the main body and the intensity of competition.The survival environment of commercial banks became more complex.Secondly,with the developing of China’s economic and the deepening of the market reform,the market environment has changed dramatically.One is that the construction of China’s financial market level continues to improve,more and more development of financial disintermediation and Internet technology in general,funds have more choices on the flow channel,this compresses the survival space of commercial banks in financial markets.The other is that with the deepening of China’s market-oriented interest rate reform and the improvement of financial supervision system,there has been a huge impact on the commercial bank’s profitability of the traditional deposit and loan business,the main means of profit is not optimistic.In view of the above,it is an inevitable choice for commercial banks to actively develop new profit channels.According to the development of domestic commercial banks and foreign commercial banks,intermediary business is the best choice for commercial banks to expand their income.This paper studies the intermediary business of commercial banks in China through qualitative analysis and quantitative analysis.In this paper,the first part is an overview of the commercial banks,and the definition and classification of the intermediary business of commercial banks are introduced.Secondly,this paper makes a comparative analysis of the current situation of China’s commercial banks’ intermediary business,and probes into the problems in the development of intermediary business in China.And analyzes the factors that affect the development of domestic intermediary business in the fourth chapter,selects 6 variables to test the relevant data of the 14 commercial banks.Finally,research results are summarized and puts forward some countermeasures and suggestions based on the previous analysis.