The Bank Of The Subprime Mortgage Crisis Under The Background Of A, B Credit Business Development Strategy Research

At the end of 2007 an outbreak of the U.S. subprime mortgage crisis triggered a global financial market turmoil. It caused a major reshuffle to global financial markets, and still remains a profound impact on the global economy. The sub-prime crisis has a serious impact on China as well, not only on its trade, but also on China’s financial market. In such a severe economic and financial sitnation, China has suffered a 5.12 Wenchuan earthquake and other natural disasters, attacks, this the domestic economy is facing a very complex situation.As a western province, in the current domestic economic situation, Sichuan has encountered some stage contradictions and unexpected difficulties in its economic and social development. But as a direct locality of 5.12 Wenchuan earthquake, also the most severely affected place, the post-quake reconstruction of Sichuan has also highlighted the opportunities, the state has issued successive policies and measures for Sichuan to sustain its economic growth and better ensure the stable development of Sichuan’s economy.As one of the commercial banks in Sichuan Province, subjected to the overall economic conditions, Bank A Branch B is also facing the opportunities and challenges in its development, Regarded as a top priority of the multitudinous bank operations, credit business development is the key to the healthy development of banks. So how to resolve issues involved in the credit business has naturally become the crux of the matter that whether Bank A Branch B can seize opportunities, meet challenges, develop healthily and rapidly in the current domestic and international economic environment.In order to solve the above problems theoretically, this article starts with Sichuan’s economic situation in the context of the sub-prime crisis, industrial development trends and operational status of the bank, by analyzing the internal and external environment of Bank A Branch B and its operating characteristics, combined with relevant theoretical analysis for business dvelopment strategies, identifies the industrial guiding policy and planning for its credit business. It also focuses on the key issues and risks of credit business which should be paid attention to in the current macroeconomic situation, and put forward views on its implementation.The main contribution of this paper is the combination of the regional dimension of economic development in Sichuan in the context of sub-prime crisis and industrial development characteristics, and taking into account of the business status of Bank A Branch B, bringing forward the key points and planning for the credit business of Bank A Branch B. As a large state-owned banks and the country’s first joint-stock commercial bank, research to the credit business development strategy of Bank A Branch B.credit business development strategy, to a certain extent, also applies to the financial services sector, and provides the financial services industry a reference to business development role. However, this article is slightly weak in the connection between the analysis of overall international and domestic economic environment and the credit business development of Bank A Branch B.The research methods based primarily on normative analysis, while empirical analysis is seldom used, this should be paid more attention in future study.