| With China's economic development entering the "new normal" and the further deepening of market-oriented reform of deposit and loan interest rates,the traditional business model of "financing-lending-recovery-lending" of state-owned commercial banks is difficult to maintain.Under such circumstances,how to change the business model in the fierce market competition and find out new core profitable business is becoming a difficult problem for state-owned commercial banks.Intermediary business has low occupancy rate of assets,relatively small operating risks and relatively high profitability,which is quite different from traditional interest income.It has a strong driving force for business innovation and business scope expansion of commercial banks.Therefore,it is becoming the key direction of transformation and development of state-owned commercial banks.Public intermediary business is an important part of intermediary business.In recent years,its scale has been expanding and its proportion in bank revenue has been rising,which has become an important competitive field for commercial banks.Therefore,on the basis of summing up the previous relevant literature,this paper changes the previous literature mostly from the qualitative point of view to study the current situation and development process of the intermediary business of banks and find out the methods to find problems therein.It collects the data of the banks from 2008 to 2017 and conducts a quantitative analysis.It is concluded that in the past ten years,state-owned commercial banks have made a study on the revenue of the intermediary business of banks.The average growth rate of joint-stock commercial banks is much lower than that of joint-stock commercial banks;in terms of the proportion of public intermediary business income to public business income,i.e.the contribution to public intermediary business,joint-stock commercial banks have surpassed state-owned commercial banks after nearly 10 years of development.At the same time,in order to make the research more pertinent,this paper takes JZ branch of C state-owned commercial bank as an example to further analyze the public intermediary business of state-owned commercial bank,and collects the data of JZ branch of C state-owned commercial bank from 2010 to 2019 and conducts a quantitative analysis.Through the comparative analysis of its absolute amount,relative proportion and composition structure of public intermediary business,the paper concludes the existing problems of JZ Branch of State-owned Commercial Bank in the development of public intermediary business,including: its management concept can not be changed rapidly,its contribution rate to the efficiency of public intermediary business is low;the traditional business income such as settlement and financial management accounts for a large proportion;and the application of technology needs to be improved.Lack of high-quality financial professionals;weak ability of risk management and control in banking business.On this basis,this paper puts forward some innovative suggestions on the development of public intermediary business of JZ branch of state-owned commercial bank from two perspectives of product and management.According to the two levels of general products and key products,the product angle makes innovative suggestions on the current main and frontier public intermediary business.The management angle puts forward concrete improvement measures around the improvement of personnel quality,the optimization of assessment system,the increase of scientific and technological investment,the improvement of service level,and the opening of innovation channels.At the same time,considering that innovation and risk are often accompanied by symbiosis,at the end of this paper,the author also puts forward some suggestions on the risks that JZ Branch of C State-owned Commercial Bank will face in the innovation of public intermediary business and the corresponding measures. |
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