The Strategies of Intermediate Business Innovation in Chinese Commercial Banks

摘要

Along with the continuous deepening of the global financial liberalization,the intermediate business of commercial bank has been unprecedented developed in the stimulation of market demand and financial deregulation,and it has become a profit growth and one of the core businesses of international commercial banks.The competition between Chinese and foreign banks will be in full swing in China with reduction of the restrictions to foreign banks' operation in domestic market,it has become an irresistible trend that intermediate business has severely challenged the traditional banking business model that the expansion of the operating assets and liabilities.But it has not a clear answer that how to innovate in intermediate business in the process.Therefore,this paper focused on the development of intermediate business,used the deductive/inductive method to explore a number of issues in the intermediate business,comprehensively analyze the restrictions of intermediate business development to bring up some targeted strategies.Five relatively important aspects were selected focusing on the intermediate business's organizations protection,pricing,risk prevention and control,etc.Through discussing these issues,we can raise some measures to make the operation more targeted and more feasible.