Study On The Development Of Intermediate Business In Feicheng Rural Commercial Bank

The interlediaiy business of commercial banks is profitable by providing financial services for customers and charging a certain fee.Therefore,compared with the traditional assets and liabilities,the intermediary business does not account for the assets and liabilities,and has the advantages of low opejrating eost small operating risk and high profit rate.The development of intermediary business can change the development model of commercial banks,reduce the impact of market interest rate,expand the development of com?ercial banks and improve the capital structure,which has become one of the major business of the current commercial banks.The development of Feicheng agricultural commercial bank is late.The development of intermediary business is still in its infancy.There are many problems,Such as irrational middle business structure,single business product,low technology level of operation mode and lack of professional talents,which seriously hinders the development of intermediary business.How to overcome the problems existing in the development of intermediaiy business and improve the competitiveness of intermediate business has become one of the important problems to be solved in the future development of the Feicheng agrhcultural and commercial bank.This paper takes the development of intermediary business in Feicheng agricultural commercial bank as the research object.By using regression analysis and SWOT analysis,we draw the following conclusions.(1)In the analysis of the current situation of the middle business development of the Feicheng agricultural commercial bank,through the regression model analysis,it found that the development tile of the middle business of the Feicheng rural commercial bank is not enough,and its income is very low in the business income,(2)By SWOT on the development of intermediate business in Feicheng rural commercial bank's analysis found that the current Feicheng rural commercial bank intermediary business with the development process of the advantages are:the business of intermediate links less,higher efficiency,grassroots ties,network-based firm,numerous outlets,easy access to customer groups;disadvantages:Iate start,management the lack of unified plalning and coordination,fewer types of intemlediaiy business,pricing mechanism is not perfect,professional talent shortage,backward technology services;external opportunities with the rapid economic development of Feicheng,farmers and Small and micro businesses financial services increased demand for national policy support for agriculture,the external threats are:there are many competitors.Changes in customer demand preference,the lack of regulations of intermediaiy business.(3)In the development of intermediary business,foreign commercial banks are characterized by wide operation scope,rich variety of inovation,rapid development of intermediate business,and innovative ability of product development The mixed operation to provide institutional support promote the interdiary business product innovation,through high-tech as the intermediate business guarantee is Feicheng rural commercial bank should learn from the experience in the development process.(4)In view of the present situation of the development of the intermediary businegs of the agricultural Commercial Bank of Feicheng and the analysis of the advantages,disadvantages,opportunities and challenges in the analysis of the advantages and disadvantages in the SWOT analysis,and drawing on the experience of the development of the intermediary business of foreign commercial banks,this paper puts forward the countermeasures and construction of promoting the development of the intermediary business of the Feicheng agricultural commercial bank from the short,middle and long stages of development Discussion.