The Strategy Of Intermediate Business For Xiamen Branch Of China Construction Bank

The intermediary business of commercial banks refers to the business that does not form the assets and liabilities of the commercial banks,and forms the non interest income of the bank.Because of its low cost,low risk and high yield,Intermediate business is attracting more and more attention of modern commercial bank.At present,the development level of the intermediary business has become an important symbol of evaluating the innovation ability and development potential of commercial bank.With the expansion of China’s capital market,acceleration of marketization of interest rates of commercial banks and the impact of the internet finance,the traditional profit space is narrowing gradually.At the same time,the financial needs of the bank customer groups are becoming more and more diversified and personalized.Based on the above reasons,it is an inevitable choice for the domestic commercial banks to develop intermediary business and widen the profit channel.At first,this paper studied the basic concept of the development trend of the interest rate market,the Internet financial and intermediary business.And in the chapter three,this paper studied the macro and micro ’business environment of the Xiamen branch of China Construction Bank,introduced the current situation of intermediary business and the internal resources and capabilities.ased on the overall strategy of the development of intermediary business of the head office and the analysis of outsides and insides factors above,chapter four and chapter five of this paper introduced the development targets,business strategy and marketing strategy of the intermediary business of Xiamen branch of China Construction bank.In the end of this paper analyzed strategic safeguard measures from three aspects to enhance the ideological understanding,organization guarantee,risk control.