The Study, Based On The Service Charges A Bank-enterprise Cooperation Operations Business Model

Nowadays, financial operations and information technology have been developed rapidly, and banking business processes are being carried out with a new reorganization. Banks have become increasingly concerned about their core business, so they will focus resources on areas of comparative advantage. While the non-core businesses will be contracted to esternal professional bodies to carry out, which contributes to enhance their competitive advantages and sustainable development capacity. However, seeking to work with customers more long-term, in-depth, systematic services co-operation, companies which engaged in financial electronic equipment is thinking positively about cooperating with the banks of the innovative business models from traditional product development and sales shift to undertake non-core business banking services.In this paper, Grossman and Hart's theory of incomplete contract theory would be applied. And through studying a case of a bank IT equipment service providers develop cooperating business model of fee-based services with banks, I will analyze the elements of the contract of such cooperation model, environment and market factors affected such cooperation model, the market value of cooperation, the distribution of operating earnings as well as operational risks of cooperation and the means to avoid the risks. The purpose is to give a reference to operations of this bank-enterprise cooperation business services in the planning, or planned in the future.The background, rise, and development trends of bank-enterprise cooperation services are described and discussed in this paper. And the article presents and analyzes the electronic return to single-system(ATC) products and its applications, the system environment and market characteristic of business models of cooperating services in detail.The article also analyzes the practice of CS Company to apply cooperating services business model. It is referential significant for the company of the same field in the same industry and relevant banks. According to the article, as long as cooperation parties understand and attach importance to the existence of uncertainties in this new business model, and take efforts to overcome all the disadvantages, this new business model would be promoted to develop healthily.