The Study Of Operation Strategy Of Commercial Banks Based On Economic Structural Adjustment

Finance is the core of modern economy, in economic development plays a vital role. At present, China’s financial resources are still mainly rely on bank system collects and configuration, commercial banks are not only in resource allocation are the important strength of macroscopical economic policy, but also the decisive link in transmission mechanism. Therefore, the strategic adjustment of the economic structure is bound to the development of commercial banks has a very profound influence. From the commercial bank itself, how the strategic adjustment of the economic structure of the macro background, because of the economic operation environment profound change, improving their management ability has become a realistic and urgent research topic.On the strategic adjustment of the economic structure of the macro background, the commercial banks must face the following problems:one is how to speed up the credit quantity expansion to enhance the quality of change, two how from the capital expenditure capital saving business to business transformation, three further accelerate from local banks to the internationalization of banks of the change, four how to accelerate from traditional financing intermediary to all-round services intermediary transition. Commercial banks either active or passive transformation, elimination, it is contemporary Chinese commercial banks face the inevitable choice.This paper takes Shandong Province commercial banks as the research target, will show level economy structural adjustment in the international field of vision and historical depth, from the configuration of social natural resources reveals the essence of economic structure adjustment, in-depth study of the adjustment of the economic structure of the commercial banks face the regional economic environment, financial environment and competition environment impact, on Shandong province economic structure current situation to undertake domestic, international comparison, put forward the strategic adjustment of the economic structure of direction, at the same time through a portion of the commercial banks in the developed countries respond to the economic structure adjustment practices were comparable analysis, actively learn from international experience and inspiration, so as to probe into commercial bank due to the adjustment of the economic structure management countermeasures.In accordance with the adjustment of economic structure in the context of commercial banks face regional economic environment, financial environment and competition environment of the three changes, along which a basic analytical framework, we give a comprehensive countermeasures of overall train of thought is: with economic structural adjustment oriented, change the traditional mode of operation, and actively adjust the credit structure, implementing strategic transformation, follow a low capital comprehensive, intensive and difference to change management way, in stimulatived economy structural adjustment further at the same time continued to build their own core competitiveness.