China 39;s commercial banks to develop intermediary businesses Present Situation and Countermeasures.doc

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1、China'scommercialbankstodevelopintermediarybusinessesPresentSituationandCountermeasures【PapersKeywords:commercialbanks;themiddleofbusiness;thestatusquo;countermeasure【Abstract】China’scommercialbanksinthemiddleofthesmallscaleofbusiness,thevarietyisrelativelysmallbusinessstart-upinthemiddleof

2、themainissues.Inaddition,thememoryindustry,inmanylow-endwiththelevelofcompetitionhasgreatlyhinderedtherapiddevelopmentofintermediarybusiness,productdevelopment,followthetrendofthephenomenonofserious,innovativecapacityisweak.Thispaperarguesthattoresolvethestatusofintermediary17business,first,toin

3、creaseawarenessoftheimportanceoftheintermediarybusiness;secondly,toenhanceintegratedservicepersonneltraining:Third-activeandinnovativedevelopingnewvarietiesofintermediarybusinessdevelopment;fourth,andsooninahealthybodyefforts.First,themeaningandcharacteristicsoftheintermediatebusinessIntermed

4、iatebusinessofcommercialbanksearnedasteadyincome,theriskislow,thecostissmall,andliabilitiesofthebusiness,assets,operationstogetherconstituteamoderncommercialbankingoperationsofthethreepillars.Withthesocio-economicdevelopmentneedsofdiverserequirements,expandingthesizeofintermediarybusiness17hasbe

5、comethefocusofcompetitioninthebankingsector.Themiddleofthecurrentdefinitionofthebusinesstherearestillsomecontroversy,mostnotablythe“balance-sheetactivities”and“intermediateservices”ontheotherin2001,thePBOCissuedthe“InterimRegulationsonIntermediaryBusinessofCommercialBanks”onthemiddleofthebusines

6、sisdefinedas“refertothetabledoesnotconstituteacommercialbankassetsandliabilitiesofthetabletoformabanknon-interestincomeofthebusiness.“Comprehensiveviewsoftheparties,meaningthemiddleofthebusinessshouldbelikethis:itreferstothecommercialbanksdonotuseordonotdirectlyusetheirownfunds,notoccupiedoraren

7、otdirectlyoccupiedbycustomerfundstohiscapacityasanintermediaryforclientshandlereceiptandpaymentandothercommissionmatters,providingvariousfinancialservicesandchargeafeebusiness.Thisshowsthat:First,banksplayanintermediaryrolei