Domestic commercial banks to expand the intermediate business model Analysis Package

Modern commercial banking business including business assets, liabilities, business and intermediary business, with China's rapid economic development, domestic commercial banks in carrying out the traditional business assets and liabilities of business, the middle of the business has made considerable progress in commercial bank intermediary business is mainly using the bank's own technology, information, talent for domestic and foreign enterprises, the company provides technical support, information and consulting services. the middle of business and business assets and liabilities of different traditional, commercial banks are not directly involved in business activities do not use their own capital, just to play proxy functionality is available intermediate business services, not money, but generally speaking, service activities are also paid for the bank to win a handsome profit now, the world's American and European countries in the middle of the business in the banking business is very large proportion of some countries commercial banks in the middle of the business even more than the traditional asset and liability business. domestic commercial banks to intermediate business, though still in its infancy, but compared with the previous , progress has been made in this paper mainly on the intermediate business of commercial banks, package models, on the current domestic commercial banks to develop intermediary business analysis and study, I hope to give space for the domestic commercial banks to provide more and better profit suggestions.

First, the definition of intermediate business of commercial banks
Intermediate business of commercial banks mainly refers to banks to customers for payment and other principal-agent issues, provides various financial services business, agency fund, agency personal finance, insurance, collection and payment (on behalf of the wages, utilities, wire transfers , guarantees, foreign exchange settlement and other loans will be able to make money without behavior among banks to start business, neither the debtor nor the creditor, but is subject to the agency's position to the identity of the intermediary business activities of bank intermediary business services are basically paid for the properties, both to meet the social development of modern commercial banking and financial service needs, but also for commercial banks to bring more customers, increase profit revenue, especially in today's foreign domestic general tightening of the monetary context, play a greater role with established foreign banks, China's commercial banks to develop intermediary business relatively late, in the product category is also very rich in its main business, including billing, trust business , leasing, financing agency, consulting services, bank card business and foreign exchange, collection, computer services, letters of credit and other services.

Second, the domestic commercial banks to develop intermediary business status and characteristics of
(A fee-based business in its infancy compared with foreign countries, there are still gaps
First of all, to carry out time from the point of view, the earliest the middle of the business began operating only in Chinese banks from the 80s, 30 years from now will the time, while foreign banks to develop intermediary business dates back to 16th century Geneva, Switzerland, Europe's royal officials who had set up private banks to develop intermediary business has followed the proportion of business volume is relatively low. intermediary business in China to carry out the best Chinese banks also accounted for its share of the bank's business volume 15%, other domestic commercial banks is less than 10%, while the developed countries, commercial banks, the share of intermediary business has accounted for more than 40%. Finally, the composition of income, domestic commercial banks, the proportion of intermediary business revenue only 6%, while the foreign commercial banks accounted for some 30% of its non-interest income is as high as 60%. In addition, the domestic commercial business model is still in the middle of extensive management stage, many banks tend to earn fun does not make money. At present, China's commercial banks have been carried out in the middle of the business about more than 280 species in the middle of so many businesses, categories are not very clear.

(Two commercial banks do not provide funding, the risk is relatively low.

Commercial banks to develop intermediary business, just play the agent's capabilities, provide a service, not the funds for commercial banks is concerned, the middle is a special kind of financial service products, it is the condensation of a commercial bank credit financial products regardless of fee or charge is in the middle of the business, for commercial banks is concerned, do not have their own funding, so the risk is relatively low, which can ensure liquidity in the bank does not reduce under the premise of avoiding bad loans may occur.

(Three receiving client in the middle of the business is doing business the way most of the development trend of the business to pay
Domestic commercial banks to develop intermediary business, and does not charge a fee of points, such as providing corporate guarantees, forfeiting, etc. are to be charges, but also a considerable part of which is no way to charge a fee, such as mailing statements, payroll , Yinzhengzhuanzhang other businesses do not pay of bank assets and liabilities among business and the lack of effective linkage between the business effect, most of the intermediary business in the free form into a means of deposits, the bank does not pay attention to the middle of the business itself bring direct benefits. As banks offer more and more in the middle of the business, will take up more space, network, manpower, technical resources, making the total cost of the operating costs of the banks increased the proportion, so the future of domestic commercial banks in the middle of expanding business, is to charge more in the direction of development.

Third, the domestic commercial banks to expand the intermediate business of the package model
(A combination of collection and payment mode personal finance package
The package model is provided by domestic commercial banks for consumers in the middle of operations. Mainly the payment of wages for workers, and provide consumers with consumer convenience, and providing financial services for the majority of depositors came into the business practices in the developed Pearl River Delta, Yangtze River Delta region can carry out comprehensive, starting point, high-tech, high- intermediary business revenue to the customer service center, to carry out forward foreign exchange, agent distribution, underwriting, guarantees, SMS alerts and other types of financial service transactions.

For example, the first domestic commercial banks to carry out the M of a company's payment of wages through the middle of this most basic banking services, combined with the relevant package model, to achieve the expansion of intermediate business of commercial banks. Specific approach is: M commercial banks to take the the daily wage paid employees, then employees handle the daily consumption of banking cards, credit cards can also be a debit card by M Bank-led, with the business, where the use of M bank consumer credit card regular weekly value of the benefits you can enjoy, and buy nets compete this way, in making the consumer benefit, while also expanding intermediate business of commercial banking market share on this basis, M commercial banks can be more depth to the company to develop intermediary business can be expanded to the scope of the business use of the payment of wages for employees of facilities for staff on personal finance and business knowledge for the types of financial products is more and more, can fund investment, but also can be their children's education fund, you can personal accident insurance and so on. M commercial banks can also use the bank card payment for employees of water, electricity, gas, property, telephone, cable television fees and all other related personal and work life expenses at the same time, you can also open individual SMS alerts.

By the way on behalf of financial management, can effectively avoid the generation of the phenomenon of wages does not make money at the same time, the future development trend can be through high-tech research and development of commercial banking services to the middle of the business specific products such as aerospace, automotive, tourism, real estate, agent road, bridge, highway toll, autopay transaction and other varieties, so the middle of business operations more convenient, simpler procedures, equipment, more perfect direction.

(Two international settlement of the package model
Settlement in international and domestic commercial banks for different customers, different products, often introduced settlement, in combination, to attract more customers, expand business volume, for example, in the face of familiar and good credit customers, business banks can be achieved by way of remittances of international settlement, if necessary, commercial banks can re-use factoring to get customers in the form of trust. For another example, when the object of trade, machinery and equipment is a large, commercial banks tend to introduce remittance, collection and letters of credit and other payment methods using both the package model for businesses to choose, settlement can be divided into multiple parts. prepayments can be resolved through remittances, the majority of the middle letter of credit can be resolved. The final part of the solution by way of collection. The reason why commercial banks to expand the settlement package to increase the business model is largely based on the expansion of business volume, and fee the same time, to minimize risk. Links to Papers download http://www.hi138.com (three accounts receivable financing package mode
The package model is domestic commercial banks for SME exports of goods, because of the many outstanding acceptances, accounts receivable can not be timely arrival, in this case, commercial banks can accept business-related shipping documents mortgage, financial intermediation to the enterprise program. receivables financing package can not only make an inventory of businesses in international trade accounts receivable and accelerate enterprise funds, to avoid risks in emerging markets, more importantly, can give business Bank to bring more profits. This package is a combination of products, mainly through forfeiting financing and credit insurance to achieve. This package model, because of the risk borne by commercial banks, the larger, so that commercial banks charge standards in the development of to deal with different customers, different export regions to be treated differently for North Africa and the Middle East as high-risk areas, high fees should be implemented.

The use of forfeiting, commercial banks can buy long-term non-recourse to the draft, but also for export tax rebates. Forfaiting is characterized by large amounts of long duration, without recourse to the exporter. Can be due to different market into a market transaction and Forfaiting secondary market transactions. A market transaction is the firm hands of banks to buy directly from exporters has been acceptance of bills, and held to maturity. Two market trading is the buying bank notes from the hands of exporters, the transfer to other package buyers, or buy from other suppliers in the hands of buying packages of bills have been accepted and held to maturity, make a profit.

Credit insurance, commercial bank financing is provided to exporters of short-term export credit insurance, mainly general insurance, insurance, security systems, insurance or a particular buyer's credit insurance, etc., and transfer agreements through the signing of indemnity insurance policy of compensation rights will be transferred to the bank , or by the bank according to information provided by the exporter on trade export bills directly to insurance company insurance, banks according to the Japanese real exports of goods to provide the financing, which is a commercial bank to expand international trade finance business in new export strategies. financing credit insurance applicable to letters of credit, collection, O / A and other payment methods. The package features and advantages are: through accounts receivable financing to help companies convert to cash, improve cash flow by export credit insurance, commercial banks can effectively help companies avoid the risk of importing the economic and political risks, export volume increased safety, more importantly, if the commercial banks to buy accounts receivable, can help companies achieve early receipt and processing of nuclear sales tax refund procedures, to effectively circumvent the receipt and exchange rate risk. On this basis, commercial banks, but also to achieve new profit growth point.

For example: M Bank of China according to most H's exports of goods exported to North Africa and other high-risk areas of achievement, the introduction of a settlement for the prescribing import letters of credit, export negotiation approach, but the importer of the buyer and bank credit poor, the issuing bank does not meet our conditions for bank export bills.'s demand for H, M H can be given a bank letter of guarantee the company 30 million yuan financing through M banks and buyers of credit insurance limits of the approved limit, the issuing bank's commercial credit risk and the risk of importing countries to circumvent the political, commercial banks through its classification do L / C financing credit insurance under way for the H liquidity problem to solve, and North Africa region reached international trade At the same time, commercial banks also achieved profit growth.

(D financing package of financial supply chain model
Supply chain financing package of financial models, mainly by domestic commercial banks, supply chain management needs to develop innovative financial intermediary business it through the company's core relationships with their supply chain upstream and downstream enterprises linked with real estate, providing for of credit enhancement, guarantees, receivables management, financing, risk and risk aversion in financial products such as composite service package model, the package model is not only allowed the banks to bring a corresponding source of profit, and if the third party logistics together with commercial banks, then, with a good supply chain core business credit, can make the supply chain upstream and downstream enterprises to better credit support, thereby reducing the risk of supply chain financing, to speed up the supply chain upstream and downstream enterprises of logistics and cash flow operating speed, and ultimately commercial banks, third party logistics and supply chain upstream and downstream enterprises, multi-joint profit of the situation.

For example, Bank of Communications, China Everbright Bank and other banks to use their good reputation and word of mouth, and the majority of domestic SMEs formed a strategic partnership, actively expand the financing of the supply chain financial services for potential customers to provide financial and credit support to support the rapid growth of a large number of SMEs, such as Bank of shortage of funds in the enterprise, when, to enhance customer value and tap on the basis of active supply chain financing, great help small and medium enterprises, to increase funding for SMEs support efforts to work with some domestic terminal distributors to cooperate to create a "sea space" model, and financial professionals through the establishment of a number of logistics platform, enhanced import and export terminal at the terminal distributor, ocean shipping, ship agency, freight forwarding, customs clearance , storage, monitoring of goods as security for loans, road transport, rail transport, domestic shipping and other logistics services available through this financing package of financial supply chain model, to the middle of China's commercial banks to the development of a new business model, but also for small and medium the financing of enterprises to provide more channels.

Fourth, look to the future
China's commercial banks face increasing competition in the 21st century, should be through their own efforts, coupled with the bank through the cooperation between banks, or with a number of research institutions to develop new financial products, banks can either create a new products, has introduced new products to improve the intermediate business service system, so you can make now increasing our reserve ratio in the background, reduce development costs, reduce market similar homogeneity of trade finance products to enhance the commercial banks competitive banks through the use of research resources and strength, through the combination of a variety of financial and creative elements of the upgrade to re-bank trade finance, innovative ways to speed up transformation and upgrading the middle of the business to achieve optimal package selection mode, which promote China's development of commercial banks is of great significance, is the only way for the expansion and development of commercial banks. Links to free download http://www.hi138.com