2008—2012年城商行中间业务发展解析

随着经济结构调整以及利率市场化的加速推进,城商行依赖存贷利差的业务发展模式将不可持续。如何在未来利差收入减少的情况下获得可持续发展,成为城商行面临的重要难题。而发展中间业务无疑成为各类城商行的重要选择。对国内样本城商行的研究发现,大型城商行依托丰富的资源禀赋及先发优势,在中间业务发展上处于领先地位,而多数中小城商行无论是中间业务占比还是结构上都处于初步发展阶段。未来,大型城商行应充分利用资本市场发展机遇,积极、稳妥推进投行业务,促进直接融资类手续费收入的增长;而中小型城商行应巩固传统中间业务发展,并以积极发展理财业务为契机拓展中间业务渠道。

Analysis on the Development of Intermediary Business for City Commercial Banks from 2008 to 2012

With the adjustment of economic structure and the liberalization of interest rate, the business develop- ment model which depends on the interest spread for city commercial banks will not be sustainable. How to achieve sus- tainable development in the future when the spread income is narrowed has become an important problem for city com- mercial banks. The development of intermediary business will undoubtedly become an important choice. The sample study finds that due to the rich resource endowment and first-mover advantages, large city commercial banks take the lead in development of intermediary business, while most small and medium-sized city commercial banks were still at the preliminary stage both in the proportion of intermediary businesses and its structures. In the future, large city com- mercial banks should take advantage of the development of capital market, actively and steadily push forward invest- ment banking. Small and medium sized city commercial banks should strengthen the development of traditional interme- diary business and actively develop the wealth management business.