The present situation of China's bank intermediary business: Although China's bank intermediary business has developed rapidly in recent years, there is still a big gap compared with developed countries. On the one hand, the proportion of intermediary business income of most domestic commercial banks to total income is about 10%, which is far lower than that of the United States and Europe, and there is also a certain gap compared with other mature Asian markets such as Japan and Singapore. On the other hand, the intermediary business of domestic commercial banks is few in variety and narrow in scope, mainly focusing on traditional products such as settlement, remittance, collection and payment, credit card, letter of credit and draft. High-tech and high-value-added intermediary businesses such as consulting services, investment and financing, and derivative financial instruments trading are underdeveloped and have a narrow coverage. More importantly, in many underdeveloped areas, due to the relatively backward economy, there is a serious shortage of high-quality customer resources, and at the same time, due to the restrictions of local residents' consumption and financial management concepts, the intermediary business foundation is weak and the progress is slow. Comprehensive analysis, commercial banks in the development of intermediary business mainly has the following main problems:

1. There are few varieties, single means and weak competitiveness.

At present, the intermediary business of commercial banks mainly focuses on agency payment, agency insurance and bank card settlement, but there is still a shortage in providing high-quality and high-level services to customers by using software elements such as economic and financial information, technology and talents, especially in areas that are suitable for financial modernization, such as consulting services, investment financing and derivative financial instruments trading.

2. Extensive management and nonstandard operation.

At present, commercial banks still pay more attention to traditional business, and the management and operation of intermediary business are insufficient. The management system is not perfect, the intermediate business lacks unified planning and marketing, and there are some phenomena such as insufficient guidance and coordination, low organizational efficiency, slow information transmission, slow market response and great waste of resources. A scientific and effective cost accounting system has not been established. Moreover, intermediate business risk management is not in place.

3. Lack of professional talents and weak scientific and technological support.

Because intermediary business involves a wide range of fields and requires a high level of knowledge, there is an urgent need for high-level compound talents with professional knowledge and information technology. City commercial banks in underdeveloped areas do not have enough support for the development of intermediary business in terms of professional talents, technical equipment and technical means. Lack of efficient information management system and supporting equipment, lack of compound talents familiar with banking and computer, international finance, investment, securities and other professional knowledge. Compared with the requirements of business innovation, there is still a big gap.

4. The product research and development mechanism is imperfect, marketing lacks flexibility, and financial innovation awareness and ability are lacking.

At this stage, there are several suggestions to solve the problems existing in intermediary business:

I think it is the key to speed up the development of intermediary business in China banking industry, such as promoting the construction of automatic clearing system in the same city and realizing the automation of accounting processing; Vigorously develop private banking business; Actively carry out securitization of real estate and other assets, learn from foreign experience, find business breakthroughs, and lay a good foundation for future development.

1. Improve the organization and management system, standardize and coordinate the operation in a unified way.

At present, some commercial banks implement a decentralized management system, that is, intermediate business is managed by relevant departments respectively. In order to strengthen the overall planning, centralized management and unified coordination of the development of intermediary business, it is necessary to establish a special intermediary business management department or management coordination leading group, which is specifically responsible for the market research of intermediary business, making development plans and researching, developing and popularizing new varieties; Responsible for the promotion and publicity of intermediate business varieties; Responsible for the coordination and management of intermediary business of the whole bank, including the formulation of relevant rules and regulations and operating procedures, business guidance, statistical analysis, assessment and appraisal, etc. ; Be responsible for summing up business experience, organizing experience exchange, promoting business development, selecting and training specialized personnel for intermediate business, and implementing standardized management of intermediate business.

3. Identify the market positioning and define the development direction.

I think that as a bank, we should focus on the high-tech and high-yield intermediary business in the region, focus on the development of bank cards, bank-securities cooperation, investment banking, financial consulting, custody, online banking and other businesses, pay attention to the charging pricing and product launch strategy of intermediary business, and handle the timing and scale of charging pricing.

4. Accelerate electronic construction and personnel training to provide strong support for the development of intermediary business.

The future world is a computer world, and financial electronization is the general trend and the aspiration of the people. Talent is the foundation. With good advanced equipment, there must be professionals to match it.

5. Improve the marketing strategy and realize the integrated management of intermediary business.

Implement integrated marketing strategy to realize the integration of centralized marketing and decentralized marketing, the integration of deposit and loan marketing and intermediary business marketing, the integration of brand and product portfolio, and the integration of local and foreign currencies; Implement differentiated marketing strategies, namely differentiated customer marketing, differentiated business marketing and differentiated investment marketing; Adhere to business innovation. It is necessary to broaden the service field of bank card business, optimize the card environment, improve service efficiency, expand the scale of bank card transactions, and increase the fee income of bank cards; Actively develop leasing business. .

6. Increase product promotion and expand business income channels.

Due to the lack of effective and long-term marketing and publicity means, many products are developed and promoted slowly, and some products have not really penetrated into every corner of public life, resulting in customers' low awareness of intermediary business products of banks. Although some products are marketed to customers in time, due to the lag of product management, customers don't master the operation methods or have concerns about safety, and even a few products are not used, which wastes resources to a certain extent, making the potential advantages of intermediary business unable to give full play, and the income is always hovering in the low trend.

Therefore, strengthening publicity, highlighting the publicity effect, actively cultivating market demand and customers' acceptance of bank wealth management products, and improving the awareness of enterprises and residents on bank intermediary business have become prerequisites for expanding intermediary business.

7. Promote innovative business varieties to lay a good foundation for a new round of competition.

The pace of the times changes with each passing day. In order to occupy the market highland, we must innovate and upgrade our products and business. This requires an innovative talent. I said it before.

8. Standardize the management of intermediary business and create a good and harmonious environment.

As far as my own experience is concerned, I think the fees for intermediary business in banks are still very opaque. The key to solve the problem of intermediary business charges is to be open to the public, actively accept the charging items and supervision of intermediary business from all walks of life, and enhance business transparency. Provide personalized one-to-one financial services, and strive for customers' understanding and recognition of related charging items. It is necessary to combine customers' understanding and recognition of superior products, form the resource advantage of intermediary business channels and turn it into the advantage of income growth, and finally realize the rapid development of intermediary business.