| Centre business is a kind of management, which is based on the assets operation and liabilities business of a bank , making use of the advantage of many aspects such as technology , information , organization network , fund and credit , not applying or not wielding their own assets directly, taking on entrust as middleman (agent) and handling collecting Fu , consulting, agent, rent and the other assure items , it can provide finance serve and collect commission , charge for trouble and managerial fee etc.Facing competing and uncertainty of domestic national economy, centre business has been becoming the frontier that domestic banks compete for with its particular characteristic. Therefore, construe bank is striving to develop its centre business and broaden the channel of commercial bank gaining profit, lessening managing risk and gaining a new profit growth point and strengthening its synthetical competitiveness. Developing centre business can acclimate macro-control economical environmental change on one hand and on other hand this also comes from the self-existing and developing need. Developing centre business of construction bank has important theorial and actual significance.Centre business of construction bank has got quicker development in recent years, we still should keep the sober cognition to centre business. It sill takes up the low percent in the whole income ,its managing scale is rather small, the kinds of products are unitary , serving means and technical extent also falls behind comparatively, it has enormous gap with our strategy investment cooperation buddy such as America bank.The possible causes are : the first, the macroscopic system environment restricts and controls to developing centre business, the second is insufficient attach importance to developing centre business ,the third is being short of technical talented person , and falling behind in serving means.To improve the existing problem in developing centre business and to reduce the gap with America bank, construction bank should establish the tactics of developing centre business on one hand and innovate the product of centre business unceasingly on the other hand.We can foresee that the competition between future banking mainly embodied the competition to centre business. Development of centre business is not big fish eating small fish, but be that quick fish eats slow fish. Business loses centre only when grasping such that early only possibility puts up achievement, have a little of slack, possible developing a chance. On working out tactics of centre business, construction bank should persist in putting strategy into practice rotating the type operations objective, that strategy rotates the type core is the idea of changing risk management, the messenger manages structure composes in reply a pattern gaining a profit of complying with to manage highly risk business give first place to change to the all-around development pattern having an effect to control risk, keeping sustainable development. Centre business will become the key deciding to build row of future development and marketplace position although assets and liabilities business can decide to build the capable life and death currently, strive to develop centre business is that duplicates each other in the weight building row of strategy transforming. Develop tactics should start with inside administration , product aspect such as the fixed price developing and distributing export products on foreign market, the cooperation with non-bank financial institutions, upgrading entirely the advantage position of construction bank in the field of middle business.We should take the measure in inner management. One is the cause system should be pushed forward, the second is to attach importance to talented person, the third is that the active propulsion "pays" to make excitation policy , the forth is to realize the guarantee of the science and technology and the information , the fifth is to lift the ability to keeping away the riskSeveral links should pay attention to in developing and selling process in product is: the first we need rationalize management of product mechanism, reinforce the branch gear camp pin. The second, according to the marketplace, we develop readily marketable products. The third we need to make development targets clear and deal with the important product management. The forth essential factors go but different, act according to circumstances. The fifth we ask make full use of to now have a net burning. The sixth we need to reinforce the penetration now having a marketplace.In building product fixed price mechanism, according to our own characteristic, construction bank should establish quickly scientifically and rational centre business fixed price mechanism , work out the centre business fixed price tactics. The first we abide by the regulation of marketplace value, multianalysis price factor. The second, we reinforce studying analysis to a product, construct the fixed price model rationally. The third we adopt fixed price measure nimbly, making great efforts to come true the surplus of banks and enterprises. The forth we establish the marketplace feedbacks mechanism on charge and fixing a price of the products. Because of the allotted policy that the job manages since that our country finance job puts into effect is strict , which made it difficult that the construction banks design ,open out the over–field, synthesis, much bearing centre business product, for making up this aspect's deficiency, construction bank found a line enlarging go on by platform's on one hand to all-around development integrating dynamics , pass sub company general manage besides the antenna faces a bank the finance field extends other; Another aspect will reinforce the cooperation dynamics with the bond , insurance , trust company, change association between strong enterprises , answering to the marketplace's change.With the gradually deepening of the finance job reforms, construction bank has had a progress in the finance ability to innovate .The large amount of centre business product has been from having no to having , arriving at from single to various , secondary simplicity complicated. The innovation is the soul of centre business, no innovation and no development of centre business right away, centre business meet the increasing demand of customer by innovating. We should grasp several main points in building the middle business: 1.grasp new centre business trend and priority first. The new trend grasping centre business can make it found a line guiding tidal current, assurance building leading advantage when being innovated. 2.We should pay attention to keeping away the risk of centre business. Centre business belongs to low risk business, but no risk, the innovative product risk probably needs risk higher than tradition product even. Since the innovation of product having experienced from having nothing to having some, the administrative system and risk control ability matching each other followed the same process. Points between the innovative product and tradition product have a lot of diversity; careless mistake will appear if we still stayed the process that the credit risk administration carries out the risk administration on the innovative product, is grave deficiency even. 1. Accelerate innovative product risk administration formulating essential rules and regulations first, 2. build innovative product risk estimate that and early warning system, three are the construction strengthening the risk implement.3.Strenthen the construction of the risk implement.The new product of construction bank guarantees in the homeland should abide by the regulation, 1.adapts to a marketplace, adapts to a customer, 2. depends on the available advantage of exist marketplace , 3.reduce risk. Going after getting a marketplace holds.By studying, we draw the conclusions as follows:1. Construction bank developing centre business acclimate the change of the adjustment to the macro-control economy environment and the developing regulation of international banks on one hand, on the other hand it also comes from the need of its self-existing and self-developing. Which has important theorial and actual significance.2. Although construction bank centre business having got quicker development ,we still have the sober cognition that enormous gap compared with America bank is still exist.3. Construction bank should persist in putting strategy into practice rotating the type operations objective. Although assets and liabilities business can decide to the life and death currently, centre business will become the critical factor that can decide the future development and market position,it is the important thing on changing construction bank strategy to develop centre business4. Innovation is the soul to build construction bank centre business , not being innovative not the development of centre business right away , construction bank take innovative measure to meet the demand of new customers .5. Construction bank should grasp the new trend and priority of centre business in the middle business being innovated, and pay attention to keeping away the risk on the middle business innovation and open up the domestic assurance business . |
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