PA Bank Intermediate Business Innovation Research

PA bank as a new generation of joint-stock Banks,far in the state-owned Banks,in terms of the current overall situation,the development of intermediary business,the overall business organization structure and operation mode,also lack a lot need to improve and shortcomings.This article first reviews the related theory,thought on the development of all kinds of business of commercial Banks,the need to fully according to the development of commercial Banks and needs,through the development of the intermediary business innovation of forms,the maximum to attract the participation of customers,and provide all kinds of high quality of service activities carried out,which can provide more profit guarantee for development of commercial Banks,promote the development of the commercial bank competitive ability.Then,in this paper,the PA bank middle business present situation and existing problems are analyzed,compared with the traditional commercial Banks think PA bank,will carry out the corresponding investment and traditional credit business,consumption during the conduct of the business will own the main credit risk and the management risk of the derivative.Necessity of carrying out the credit risk business has profound significance for PA Banks,with the deepening of the economic and financial development,the business category of the business will be listed in the intermediary business system will bring to PA bank competition scope and space to a certain degree of expansion and development.Then,in this paper,the PA bank intermediary business innovation design was carried out,that the all-round development of intermediary business is a PA bank in strategy development and strategic transformation of important support content,through the comprehensive development of intermediary business,can change the long-term rely on PA simply rely on bank deposit and lending spreads to achieve business growth mode,and realize the structural transformation of the operation and development.In order to realize the development of the traditional business transformation,quicken the product segmentation management,realize the diversification of service,and the development of intermediary business as the main source of PA banking development.Finally,in this paper,the PA bank intermediary business innovation supporting measures and Suggestions,think in order to improve the level of development of intermediary business,should also be positive efforts to improve intermediary business support,in the middle of the business development process,positive for the electronic information management,promotion of electronic information technology in the development of intermediary business share.And according to the situation of the development of intermediary business,and actively promote the development of intermediary business efficiency problem.PA bank should also actively strengthen the investment of funds,improve intermediary business development in the process of building electronic level,promote the role of information management and ability,and promote the quality of the intermediary business informatization development.The intermediary business of commercial Banks at present the domestic research is relatively small,and the intermediary business of commercial bank at present stage for the bank's profit growth point.This article will use the existing finance theory and comparative analysis,combining with the existing literature,data,etc.To sum up,for example analysis of PA bank middle business,on the basis of the of the intermediary business innovation and development of corresponding train of thought,to improve PA bank transformation development will be a positive role in promoting,for other bank middle business development also has a gleaming.