Yanbian State-owned Commercial Banks To Achieve Profit Diversified Way To Explore

At present Yanbian state commercial banks have low effect and poor finance quality. Its causes are various, including influence of the state policy factors as well as lack of vitality of internal management mechanism of the banks and backwardness of the market operating means which limits the normal operation.The present situation of Yanbian state commercial banks is by no means good for continuous development in the acute market competition. The banks' development is inseparable from the grand atmosphere of the Chinese financial economy. 2004 is a year of important step in the financial reform, especially in the reform of state commercial banks. The mixed management is a trend of development of banking industry. The revised Law of Commercial Bank has opened an entrance for mixed management. of domestic banks .In order to strengthen the competitiveness of Yanbian state commercial banks and continuously optimize the management environment of commercial banks and contend as soon as possible with the foreign-fund banks, which are called "financial department store", Yanbian state commercial banks must promptly take the following effective measures. First, state commercial banks must follow the domestic financial situation and go on the way of mixed management, which is suitable for China and Yanbian. Second, with the acceleration of the process of profit of market operation commercial banks must change the mode of earning profit through the difference of deposit and loan. Third, to change the commercial banks into the commercial banks in the true sense and further clear up the lad assets in the banks and activate them and prevent new increase of bad assets . Fourth, on the basis of traditional assets and balance business it is necessary to speed up development of intermediate business to guarantee new profit increase. Fifth, to set up new services'of external business and private finance business to provide customers with more individualized financial services.Although the present situation of operation in debt of Yanbian state commercial banks is very serious, they will certainly come out of the low valley of the new financial situation only if they really take the above-stated 5 measures and realize the multiplication of profit, strengthen profit capability, and face the competition of domestic and foreign banks with strong and comprehensive competitiveness.