Problems And Countermeasures In The Development Of Intermediate Business Of Bank Of China Wuhai Branch

With the development of economic integration,financial globalization has become an irresistible trend,with China’s accession to the WTO,the traditional business of commercial bank profit space gradually narrowing,commercial banks will be competitive in the market in the future will largely depend upon what’s ability to develop new business and market share,competition between commercial banks will also reflect more on the intermediary business.At present,China’s economy is under great downward pressure,The competition of commercial banks is increasing.Interest rate liberalization leads to narrow interest rate and strict regulation of capital adequacy ratio of commercial banks,forcing commercial banks to develop intermediate businesses that do not occupy assets and liabilities.In addition,the traditional financial services to meet customers’ growing demand of financial services,such as more and more acceptance and discount,agent business,wealth management,credit card,fund custody and other diversified needs,provide the opportunities for The development of commercial banks’ intermediary business.This paper makes an in-depth study on the problems existing in the middle business development of the Bank of China Wuhai branch,analyzes the reasons for its existence,and puts forward countermeasures to solve the problems.In order to promote the smooth advancement and development of the intermediary business of domestic commercial banks,it provides some reference for the development of the secondary branches of state-owned banks in China.At the same time,how to develop intermediary business at the grassroots level shift profit model provides certain ideas and opinions for the country and industry on commercial banks,commercial bank middle business development to provide certain reference and guidance for our country,and offer a proposal for intermediary business risk prevention in the future to provide effective preventive measures for domestic bank.As for the Bank of China Wuhai branch,through the analysis to enhance the understanding of the intermediary business,so that we can attach the importance to intermediary business,There are many problems put forward the corresponding countermeasure in the intermediary business for the Bank of China Wuhai branch,for example,we have to increase attention to the intermediary business,improve the ability of the middle business development,so that we can gain more profit growth through the development of intermediary business,thus reduce the impact on revenue because of the economic environment,improve the overall business performance.Intermediary business related theory are applied,this paper adopted the method of theory and practice of combining quantitative analysis with qualitative analysis.Bank of China Wuhai branch in the development of intermediary business problems and countermeasures for detailed analysis.The Bank of China Wuhai branch are facing many problems in development of intermediary business at present,first of all,there are no adequate attention to intermediary business,secondly,lack of the objective conditions of intermediary business development,such as lack of scientific management system,product and service innovation ability is poor,poor risk management way,neglecting the customer center,backward service channels,thirdly,lack of professional comprehensive staff,lastly,marketing incentive mechanism is not sound.Finally,effective countermeasures are putting forward according to the above problems in-depth analysis the reasons,through adapting to domestic and foreign financial reform situation,emphasis on the importance of the intermediary business,from the management way,the product structure,risk control,customer service,service channel aspects such as strengthening intermediary business innovation ability,consciously cultivate and the introduction of professional talents,perfect the incentive mechanism,vigorously develop the market marketing,expand the intermediate business market share.