Analysis Of The Characteristics Of Bank A's Credit Business In Guangzhou

Bank A is a strong commercial bank, whose credit business achievement is among the best in the Chinese banking industry. In such an economically developed city as Guangzhou, however, Bank A's credit business is not as competitive as desired. Through massive investigations, this article analyzes the bank's management characteristic and pursues the superiority and inferiority of Bank A's credit business development. The article then further analyzes the causes for the situation, and proposes the measures to improve the competitive strength of Bank A's credit business under the existing circumstances.This article sets Bank A as a typical target for investigation, while its main domestic competitors (the other three large Chinese commercial banks) as important investigation targets. Based on the investigation and statistic report focused on the deposit, loan and settlement business of the above four banks, the article will analyze development characteristics of Bank A's credit business from three aspects: the operation scale characteristic, the structure characteristic and the financial characteristic.The article finally proposed the three year persistent development goal for Bank A's credit business: in three years, Bank A's market share of RMB credit business in Guangzhou area should be increased from 18% to 25%; the contribution of the credit business in Guangzhou to the whole Guangdong Province should be increased from 35% to 40%; the foreign currency market share in Guangzhou should be maintained at no less than 62%.