On the Development of Intermediary Business of Com

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On the Development of Intermediary Business of Commercial Banks, several countermeasures to improve income levels

State Bank through the annual fee waived in the form of bank cards to attract customers, the competition among commercial banks by means of business development have had a significant impact. (D) the development of intermediary business by regional economic environment in some cities the economic downturn, high-quality clients and quality projects less, corporate behavior and business philosophy of the relative backwardness of a number of commercial banks,[link widoczny dla zalogowanych], lack of interest in new service products, in Some financial services,[link widoczny dla zalogowanych], business development center are subject to certain constraints, a win-win commercial banks and enterprises have not been reflected. Second, some countermeasures against these problems, China's banking capital saving to go a new way of development, low capital consumption must vigorously expand non-traditional banking business,[link widoczny dla zalogowanych], and actively adjust the structure of the traditional banking business, develop retail business in the middle business, seeking new profit growth point. In my opinion, mainly in the following responses: (a) rationalize the relationship. Constructing the chapter on our part, the middle of the business for the relevant national authorities to carry out rigid policies and regulations, and establish a society of normal economic order, and completely change the commercial banking business with the relevant authorities on charges in which the consultations weak position to promote the commercial bank-related business. Financial management should strengthen the intermediary business guidance,[link widoczny dla zalogowanych], business development for the middle to create a more relaxed, good, unified policy environment. Meanwhile, the financial authorities also need to further establish and improve the management of the intermediary business. In the many years of business development, in addition to class notes, clearing the middle of the business class, most of intermediary business development, approval and management are the lack of clearly defined, hindering the development of intermediary business. Bank of reasonable fees can expand revenue streams, improve operational efficiency, enhance the banks in the fierce market competition in the competitive strength to stabilize the financial order. Financial management should improve as soon as possible the details of business management center, complete relevant financial laws and regulations, so that the regulation of intermediary business law,[link widoczny dla zalogowanych], there are rules. (B) communication, play an active role in the banking industry trade associations to play an active role in the Banking Association, to strengthen communication and links between commercial banks, service charges on the middle reach of a 36 <Guangxi Financial Research) To 4 2007 to create a fair and orderly competition, to avoid vicious competition. Banking Association should be strengthened between the business survey and statistics, and promote mutual exchange of information, to enable the bank's intermediary business can learn from each other for common development. (C) to develop retail banking area of retail banking with a wide multi-volume, low risk and personalization, and a stable income and higher profit margins and higher value-added features, is the bank's strategic focus on business development and financial product innovation focus contribution to the bank's profits rise. In recent years, with rising income levels and financial spending power is growing, the rapid development of China's retail banking business, but there is still a large gap between the developed countries. The specific measures should be taken: (1) to enhance personal financial services product research and development to meet the diverse needs of customers; (2) the use of high technology, speed up the process of the network; (3) take appropriate measures and strategies to enhance marketing management . (D) by developing intermediary business, increase the proportion of non-interest income of banks variety of innovative services, increase the proportion of intermediary business revenue to alleviate a variety of uncontrollable factors on the table squeeze business profit margins. In 2007, the finance bond underwriting, wealth management, fund and annuity business, foreign exchange hedging activities, and other value-added services will show a great development of the situation, to the middle of a large growth in revenue to make up for the traditional credit business income margins narrow, which is the time to snatch market share among small business opportunity. Should enhance the awareness of financial innovation, accelerate the development of intermediate business of commercial banks, develop new profit growth point to reduce dependence on traditional business, less interest rate risk of the problems, achieve the basic profit model from the deposit and lending interest rate deposit and loan interest dominated steering both poor and middle business to the track. (E) strengthen management, increase the resources put into the middle of a wide range of business and variety of professional technical and theoretical comprehensive, competitive timeliness are strong, commercial banks should establish an independent top-down in the middle of the business management department; the same time increase large investment of resources among business people, professionals focus on the development and training, adhere to the existing training effective practitioners, but also the selection and introduction of a planned economic and financial experts, experts in research evaluation, consulting experts, international business and foreign exchange trading specialists, training, the introduction of a variety of professional knowledge are familiar with the compound talents, build a business to understand, good management, to the middle of the business of high-quality public relations staff. (Contributing Editor: Wang Xuan Qing) (proof: WXQ)