Non-interest income business generally consists of three parts: first, processing business, that is, banks help customers complete the payment and receipt of funds, and banks engage in certain transactions instead of customers; The second is trading business, that is, banks engage in various transactions in the financial market; The third is consulting business, which refers to the business that banks provide guidance to customers on various financial transactions. At present, the non-interest income business of Chinese banks mainly has the following problems: China Bank should adopt the strategy of mainly processing business and supplemented by consulting business, create conditions to gradually engage in trading business, and realize the diversification of non-interest income business types.

Processing business

It is the most basic non-interest income business of banks. At present, in China, most businesses allow banks to do their best in law and policy. In addition, these businesses are generally simple, do not need too much equipment and complex technology, and do not require high knowledge and ability of bank employees. In fact, some processing businesses, such as cheque processing and letter of credit collection, have been handled by Chinese banks for many years and accumulated rich experience.

Consulting business

It is complicated to handle, which requires bank employees to be knowledgeable, understand all aspects of financial and non-financial fields, have strong comprehensive ability and be familiar with various operating technologies. At present, many bank employees do not have these conditions and should be trained and introduced as soon as possible. In addition, these businesses are still restricted in some aspects, and it will take some time for them to be launched on a large scale, so it is difficult to provide a large amount of income for banks in the short term. At present, banks should start to engage in some businesses that they can do, such as personal financial consulting and corporate financing consulting, and should not wait until the conditions are fully met.

Trade business

Most trading businesses, such as stock trading and risky assets trading, cannot be engaged in in Chinese banks at present, so these businesses cannot become the main components of non-interest income business of Chinese banks. However, this kind of business is a trading activity that banks engage in for themselves. If properly managed, its income is considerable, far exceeding the other two businesses. Therefore, banks should pay full attention to this kind of business, actively create conditions and strive for it. Now we can try some businesses, such as asset securitization. Deposits, loans and remittances are the most traditional businesses of banks. Through these businesses, banks have established contacts with many customers, and customers are highly dependent on these businesses. Banks should make full use of this resource in the process of expanding non-interest income business. In the process of handling corporate and personal deposit business, banks can vigorously promote credit card, commercial debit, brokerage business, custody on behalf of customers, asset services and various consulting businesses to make customers familiar with and accept these businesses; In the process of granting loans to enterprises and individuals, banks have great initiative and influence, and can use this favorable position to promote non-interest income business. For example, when granting loans, introduce credit cards, brokerage business, enterprise investment consulting, personal financial planning and other businesses to customers.