Development Status And Optimizing Strategy Of Commercial Bank Intermediary Business

Together with constant changes in economic environment at home and abroad,interest rate market-oriented reform basically comes to an end,interest spreads of deposit and loan gradually narrow,and Interne finance turns more mature.Under such circumstances,commercial banks realize that developing intermediate business is the sole way to reform and transformation,and also an indispensable link in development strategy.Based on the summary of representative research viewpoints at home and abroad,the paper chooses Bank M as the research subject and performs an analysis on its intermediate business development conditions and optimization as below.First of all,the paper analyzes the operation environment of commercial bank intermediate business,and sets out the necessity and strategic meaning to develop intermediate business.Secondly,according to intermediate business income scale changes and structural changes in Commercial Bank M in recent five years,the paper observes the development trend and key businesses of intermediate business.Throughout the comparison with other joint-stock commercial banks statistically,the paper points out the crisis faced by Bank M in intermediate business market shares in recent two years,investigates the external and internal development environment of Bank M’s intermediate business,reviews the advantages and disadvantages of Bank M in developing intermediate business from different perspectives,and observes current problems in Bank M from multiple aspects.Meantime,aiming at present problems,the paper consults the experience of other commercial banks at home and abroad in developing intermediate business,and lists some concepts and practices which can help Bank M solve problems.As found in the research,Bank M intermediate business slows down and decreases its market competitiveness in recent two years.Therefore,according to problems faced by Bank M in developing intermediate business and excellent experience in the industry,the paper proposes suggestions concerning the development of intermediate business and optimization of business structure.First of all,Bank M should adjust business structure as soon as possible,reduce low-added value intermediate business’ appropriation of resources,and add investment in high-added value intermediate business.Besides,it should also take differentiated competitive tactics,utilize small and micro businesses’ advantages in consumer base to jointly develop household financial service for small and micro businesses and business owners,and build small and micro consumer integrated financial service brands.Attention should be also paid to reinforcing the introduction of compound professionals and improving training plan so as to prepare talents for intermediate business innovation and promotion.Additionally,Bank M should vigorously develop private banking business,overcome problems in product development and management,and proactively compete with other banks to seize intermediate business market shares.