商业银行中间业务与利润（Intermediary business and profit of commercial banks）.docVIP

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商业银行中间业务与利润（Intermediary business and profit of commercial banks）.doc

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商业银行中间业务与利润（Intermediary business and profit of commercial banks）

商业银行中间业务与利润（Intermediary business and profit of commercial banks） Research on the relationship between profit growth and intermediate business income of commercial banks School of economics and finance, Anhui Finance and Economics University, Zuo Xiaohui Abstract: at present, the commercial banks China mainly rely on the spread of profit profit model is increasingly challenged with the liberalization of interest rate, bank deposit and loan spreads narrowed has become an inevitable trend. In this situation, it is particularly important for Chinese banks to carry out intermediary business to open up new profit growth points. In fact, the proportion of middle business income of western commercial banks has far exceeded interest income, and the median income of individual large banks even accounts for more than 70% of the total income, becoming the main source of profits. As the development direction of the intermediary business of Chinas commercial banks at present, it is of great significance to develop the intermediary business to improve the overall competitiveness and efficiency of Chinas commercial banks. In the process of reform and development, the business environment and management philosophy of commercial banks in China are constantly changing. More and more banks operating risk, and capital market and the money market development, the development trend of financial disintermediation will inevitably lead to capital source of commercial banks in China and the quality of diversion of customers was getting worse. To develop intermediary business and new business and adjust the development strategy can fundamentally improve the sustainable development ability and comprehensive competitive power of our countrys banking industry. Key words: commercial bank intermediary business At present, Chinas banking industry is in a critical period of development, the development of intermediary business, first of all, to improve the efficiency of commercial banks needs. At pr