Deposit Structural Characteristics Of The West Bank Of Credit And Commerce Clients Adjustments

In the past few decades,especially from 1995,the State Council of the PRC approved the reformation of China municipal commercial banks.China municipal commercial banks have worked very hard and finally made a great progress.By the end of 2008,China municipal commercial banks'financial assets had reached 4132 billion yuan,as http://www.askci.com/recent statistics shows,balance of deposits had reached 3392 billion yuan and after-tax profit had reached 41 billion yuan. But China municipal commercial banks are a particular group that has their characteristics of operation and management and business development. XiShang bank,as one of medium and small China municipal commercial banks,has made a great progress by keeping reform and exploration. At the same time,XiShang bank has heaped up some problems during the bank development process,such as liability composition being a serious unbalance which has become one of the prominent problems endangering the bank.Corporate deposits with high proportion and savings deposit with low proportion in all of deposits have posed a challenge to the XiShang bank in the operation and management,earning ability,risk management,prudent operation and so on.The article tries to make a detailed analysis to the reasons that lead to the serious unbalance of XiShang bank's liability composition. The chief cause of the situation lays outside strategic positioning,market segments,selection of clients,inner management,and performance appraisal system. How to change this situation of serious unbalance of XiShang bank's liability composition,the article tables some proposals to adjust the development goal and strategy,especially to perfect the strategy programme.XiShang bank should also adjust its clients, under the premise to consolidate the segment market of small and medium-sized enterprises,expand segment market,try to marketing clients of urban residents,and put great effort to promote saving service developing rapidly,highly and firmly. It is necessary to adjust tactics of the bank beside adjusting target clients and expanding market of urban residents such as internal enterprise operation and management, measurement system,financial product innovation,layout plans of subbranch of the bank,and stand-alone self-service bank.It is really necessary that XiShang bank has to innovate,because just using above methods is not good enough to solve this problem,not to mention competing with the state-owned commercial banks and joint-stock commercial banks.The article points out that community bank is the key point of XiShang bank's strategic transformation. The bank will shape its nucleus competitive ability by offering community banks and probing into the mode of enterprise operation and management of community banks.The bank will possibly transform the serious unbalance of liability composition and adjust service object clients,by the way,XiShang bank will ultimately obtain sound development capability.