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The Research on Intermediary Business Development and Innovation of National-operating Joint-stock Commercial Bank

Author: LiYue
Tutor: TianLiJie
School: Jilin University
Course: Finance
Keywords: National-operating joint-stock commercial banks Intermediary business Intermediary business innovation
CLC: F832.2
Type: Master's thesis
Year: 2013
Downloads: 801
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Abstract


Intermediary business of commercial banks is called one of the three majortrends in the international financial sector as the National-operating joint-stockcommercial banks are called the "experimental field" of China’s banking sector.National-operating joint-stock commercial banks always walk in the forefront of thereform in China’s commercial banks. With the launch of the New Basel CapitalAccord, the serious financial disintermediation phenomenon and the advancement ofmarket-oriented interest rate, national-operating joint-stock commercial banks shouldfirstly develop intermediary business, which has low capital share and large marketdemand. It will help the national-operating joint-stock commercial banks take a placein Intermediary business market. Moreover, the Intermediary business and thetraditional deposit and loan business have a mutually reinforcing relationship. Thenational-operating joint-stock commercial banks can take advantage of thedevelopment of intermediary business to narrow the gap with the large commercialbanks in the deposit and loan business. Therefore, a research on intermediary businessdevelopment and innovation of national-operating joint-stock commercial banks haspractical significance.In order to propose specific recommendations, the author uses the method ofcomparative analysis. Intermediary business market share of the national-operatingjoint-stock commercial banks compares with that of large commercial banks and citycommercial banks, and the author make use of the analysis results to put forward therecommendations of the national-operating joint-stock commercial banks inintermediary business development and innovation. The thesis is divided into five chapters:Chapter Ⅰ, Introduction. This chapter introduces the writing background, writingsignificance, writing ideas of the article, and presents the domestic and internationalliterature review as well as the innovation of the thesis.Chapter Ⅱ focuses on the elaboration of concepts and theories. As for theintermediary business of commercial banks, the definitions, the classifications, andthe nature of the intermediary business are the main contents. As fornational-operating joint-stock commercial bank part, the process of the establishmentof the national-operating joint-stock commercial banks and its important contributionfor China’s financial reform are mainly introduced. In addition, this chapter alsofocuses on the necessity of the intermediary business development ofnational-operating joint-stock commercial banks from the subjective and objectiveaspect.Chapter Ⅲ describes the development process of intermediary business of theU.S. commercial bank firstly, and then sums up experiences for national-operatingjoint-stock commercial banks. After that, the author analyzes on the existing problemsby contract. The problems are the lack of a clear market positioning, unreasonableorganizational structure, insufficient investment in hardware and software, lessindependent innovation intermediary business and so on.Chapter Ⅳ is a comparative analysis. The author compares the intermediarybusiness market share of national-operating joint-stock commercial banks with that oflarge commercial banks and city commercial banks, and obtains results about themarket share influencing factors. They are scale of operations, income structure andmarket positioning.Chapter Ⅴ is a set of recommendations on the intermediary businessdevelopment and innovation of national-operating joint-stock commercial banks. Inorder to deal with the problems mentioned in Chapter III and Chapter Ⅳ, theauthor presents several recommendations in chapter V. First of all, national-operatingjoint-stock commercial banks should have a clear market positioning in order to seekdifferentiated operation, should establish the emphasis of product development andcarry out targeted intermediary business and can make full use of their ownadvantages to build brand and to strengthen the management of innovation. Secondly,national-operating joint-stock commercial banks should improve the technicalconditions to increase investment in research of intermediary business product and tostrengthen human resources development in order to enhance the capacity ofintermediary business innovation. Last but not least, national-operating joint-stockcommercial banks should establish a close relationship with non-bank financial toexpand their business scope.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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