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Development Study of Intermediary Business of Commercial Bank of China

Author: LiuHui
Tutor: FanWangBang
School: Northwestern University
Course: Western Economics
Keywords: Commercial bank Intermediate business Expand
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 862
Quote: 1
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Abstract


Innovation and the development of intermediate business of commercial banks in China, as well as theoretical studies started in the mid-1990s, after nearly 20 years of development, the transformation of the financial system and the continuous improvement of the emphasis on the intermediate business of commercial banks in the middle of business products service pricing, expansion has made considerable progress, and asked business income in proportion of its profit contribution has steadily improved, traditional deposit and lending interest income revenue structure in an increasingly adjustment. However, due to the lag of laws and regulations, the weak foundation of social credit, public financial awareness is not strong, the bank intermediary business in China started late, lack of commercial banks on their own personnel, imperfect incentives, the middle of the commercial banks in China is still in business development than low level of measurable the intermediate business prowess indicators - intermediate business income share is still very low compared to developed Western countries. This paper argues that the fundamental system to speed up the development of intermediate business of commercial banks in China, in the early development of the bank intermediary business in China, the vacancies of the relevant laws and regulations as well as supervision is not in place the intermediate business of commercial banks in China for a long time the lack of a clear legal definition and management, the intermediate product and service pricing is confusing, and there are a lot of pro bono services, market disorderly competition seriously, it can be said the foundation did not play well from the start. Exceptionally complex domestic and international financial situation faced by the country at this stage, our bank's own ability to resist risks with comprehensive competitive strength is not strong and we are in the middle of business is still at the lower levels and other factors make our country can not be easily shaken and change the current implementation of The sub-sector regulatory policies separate operation, mixed operation with international financial standards and financial liberalization trend, China should vigorously promote the development of the financial holding company, this financial organization in the form of separate operation under the separate supervision of China's financial industry best mixed operation mode. The same time, the in functional regulatory principles, to establish the main regulatory regime, financial separate operation to achieve a smooth transition to mixed. The appeal should improve as soon as possible, amendments and the introduction of legal regulations and policies related to the middle of the China's banking business and financial holding company, and vigorously expand the intermediate business for China's commercial banks and regulatory authorities to intensify supervision to provide strong policy support and legal protection.

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