Xx Bank, Shenzhen Branch Of Business Development And Risk Management Strategy

The banking industry is the backbone of the financial domain, which supports and promotes the national economy development, and it's occupying the very important status in the entire national economy construction.Following the Construction bank succeeded IPO in Hong Kong Stock Exchange on October 27. 2005, the Bank of China separately went to IPO in Hong Kong Stock Exchange in June 1. 2006, and landed on A market on July 5t, then the ICBC became a public company in October 27. 2006 by a+H stock synchronization.IPO provided the good foundation for the internal commerce bank's further development. Undergoing difficult remanufacture reforming, and relying on the international help and own endeavor, the fund strength and the profit level of the state-owned Commercial bank obtained the constant rising, the risk control and the foundation management level obviously strengthened also. The structural adjustment and the innovation made the remarkable progress, and the growth way and the business model have had a significant transformation.Carries on the analysis regarding the Chinese Entire Banking industry is too big, according to the author himself engaged in the profession the accumulation and the understanding, and XX bank Shenzhen Branch's business development and in the risk management strategy, this report selects two branches, discussing in the loan industry combination and the loan region combination of the branch on the management and operation strategy , stressing directs in the trade development and management. The context mainly divides into two parts.The first part gives the loan profession combination: First we have analyzed the credit market situation which the branch faces, gives the loan profession respectively including Shenzhen credit total quantity's growth and Shenzhen the credit market growth situation; based on the first two parts of analyses, we will construct the profession plan growth model, and give the loan policy.The second part according to the strategic implementation "walk out" of the branch, gives the loan region combination about the management pattern: First analyzing the branch to face the development of the exterior market environment; Next, carrying on the comprehensive systematic analysis in recent years; Then, constructs the region of five factor rating model; Finally, proposing the related work suggestion about the strategy of region combination.