Traditional Culture Encyclopedia - Traditional stories - How should commercial banks deal with interest rate marketization? Countermeasures of commercial banks after interest rate marketization.
How should commercial banks deal with interest rate marketization? Countermeasures of commercial banks after interest rate marketization.
2. Secondly, actively develop financial services and increase the proportion of intermediary business. Compared with the traditional loan business, the intermediary business mainly providing financial services has the advantages of low risk, large development space, great difference and high customer value mining. Internationally, the intermediary business income of commercial banks generally accounts for 40%-50% of the total income, and some banks even account for more than 70%. However, the development of intermediary business in China is relatively late, and the income of intermediary business in most domestic commercial banks accounts for about 65,438+00%, which has a large room for development. Therefore, actively developing intermediary business will be an effective measure for Chinese commercial banks to effectively increase profits and cope with the risk of interest rate fluctuations.
3. Third, make use of its own advantages to develop characteristic business through continuous financial innovation. Small and medium-sized commercial banks have the advantages of less business approval links, quick market response and more local support. Only by fully tapping these advantages and constantly introducing new products suitable for customers' development according to market and customer needs can we steadily promote financial innovation, develop the characteristic business of commercial banks and gain a foothold in the fierce market competition.
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