Research On The Competitiveness Of Intermediary Business Of China Minsheng Bank

Unavoidable,the banking system of China will enter the mixed business era;in the future,the competition between commercial banks is bound to be the competition of intermediate business.The strong competitiveness of intermediate business will help them to maintain long-term advantage in the fierce market competition.As the first private-owned bank initiated by non-public enterprises in China,the intermediate business of Min sheng Bank has stand out from the fierce competition in recent years.First of all,this paper analyzes the current situation of Min sheng Bank's intermediate business from development scale,development structure,development efficiency,profitability and growth ability,Secondly,deconstructs the competitiveness of the intermediary business into five aspects and seven evaluation indexes based on the theoretical basis of the enterprise competitiveness,And then use principal component analysis to quantify the level of competitiveness in 17 commercial banks,in order to clearly reflect the position and strength of Min sheng Bank's intermediate business competitiveness in peers.The results show that although the competitiveness of Min sheng Bank's intermediary business is ranked second in 2015,there are still have problem in the middle business differentiation and the limited expansion room;Thirdly,by contrasting the intermediate business competitiveness ranking results of 17 commercial banks for 2011 to 2015,Min sheng Bank relatively decentralized ownership structure,innovative organizational structure and micro-financial services strategy makes its intermediary business competitiveness has been steady,but as its scale of intermediate business gradually enlarged,should also avoid large-scale commercial banks rely on the scale of profit development strategy,continue to create growth engine,expand the development of space and defend their own dominant position,At last,Based on the analysis of the relationship between the competitiveness of Min sheng Bank's intermediary business and bank risk,it is pointed out that the improvement of intermediary business competitiveness can reduce the risk of Min sheng bank.At the end of this paper,the optimization path of Min sheng Bank's intermediate business competitiveness is put forward,and the direction of Min sheng Bank's intermediate business competitiveness is pointed out.