Research On The Development Strategy Of Intermediary Business Of Joint Stock Commercial Banks

Joint stock commercial banks are the main form of commercial banks in China,and is an important object of the current reform of the banking industry.With the proposed agreement in Basel,great changes happened in financial markets,the process of marketization of interest rate become more and more quickly,the joint-stock commercial banks gradually attach importance to the development of the intermediary business,so obtain a certain market position in the current market competition.In addition,Joint stock commercial Banks use the complementary relationship exists between the banking intermediary business and the traditional bank deposit and loan business to develop the intermediate business market,in order to improve the deposit and lending business,shorten the distance between large commercial Banks.Therefore,studying the development of the intermediary business of joint-stock commercial banks is very important for all of the joint-stock commercial banks.This paper mainly uses the literature analysis,collect relevant research information about the intermediary business of joint-stock commercial banks at home and abroad,analyses the similarities and differences of intermediate business of domestic and foreign joint-stock commercial banks,and analyses the current situation of the development of the intermediate business of joint-stock commercial banks at home and abroad respectively.To provide the reference for the development of the intermediate business of joint-stock commercial banks in China by analyzing the current development of the intermediary business of joint-stock commercial banks abroad,and put forward the existing problems in the development of the intermediary business of joint-stock commercial banks in China.By analyzing the advantages,disadvantages,opportunities and the threat of the intermediary business to provide reference basis for optimizing the development of intermediate business of Chinese joint-stock commercial banks.And this paper also uses SWOT analysis method to elaborate the existence of the advantages,disadvantages,opportunities and the threat in the development of the intermediary business of our joint-stock commercial banks,and puts forward the strategy about how to optimize the middle business’s development of our country’s joint-stock commercial banks.And this paper combines with the specific case of Shanghai Pudong Development Bank to describe the feasibility of the proposed optimization strategy and the implementation effect mentioned above,which can have some enlightenment to the development of our country’s joint-stock commercial banks.