Gansu Branch Of Construction Bank Investment Banking Business Innovation

In recent years, the economic and financial market has undergone profound changes in China. First, the financing channels for enterprises become more and more diversified; Secondly, the interest rate Market-oriented trend more obvious,this is bound to be compressed Banking depending on the profitability of the traditional long-term deposit and loan spreads space.How to broaden the channels of the banking industry profit, comprehensively improve income diversity is a major challenge faced by the Construction Bank of Gansu Branch. Through the development of the investment banking business to significantly improved the intermediary business revenue is undoubtedly became Gansu Branch of Construction Bank preferred, which is also in line with the international banking industry practice.This article based investment banking innovation perspective, SWOT analysis, made a comprehensive analysis and study of Gansu Branch of China Construction Bank investment banking development. The results show that:the advantage of Gansu Branch investment banking is that the accumulation of long-term customer resources, the dimensional network coverage and the established brands. the disadvantage of Gansu Branch of investment banking is that the separate institutional arrangements under the constraints of the investment banking business development, lack of professional personnel required scarce, and business innovation capability. The development of Gansu Branch of investment banking opportunities from the great changes in China’s economic growth, the environment, financial markets, and the resulting changes in customer demand will bring investment banking business development opportunities. the threat faced by the development of the Gansu Branch of investment banking maily from increased competition in the same industry in the province, as well as increasingly stringent internal and external conditions of supervision.Based on the above analysis, this paper finally puts forward the construction of the Gansu investment banking innovation plan. Gansu Province Branch of China Construction Bank is a large state-owned commercial banks, but is essentially different from the pure sense of the internationally recognized investment banking institutions, combined in different national conditions, social responsibility very different. Inertia should not only rely on the traditional profit model earned on deposit and loan spreads continue to squeeze the development of the investment banking space remain vigilant, but also to remain vigilant name investment banks actually belongs to the practice of traditional loans. In all kinds of banking business in China, investment banking business is keen perceived changes in the capital markets business,and is one of the most effective means to help customers solve financing difficulties. Therefore, to further strengthen the development of the investment banking business Countermeasures:The rapid increase in the development of intermediary business through the investment banking, the awareness of the importance of the intermediary business revenue is the primary task of the CCB Gansu branch; Not subject to the regulatory requirements of all parties, innovative credit mechanism gives a certain degree of autonomy, flexibility of the investment bank’s internal operational mechanism, the release of more and more development space for the investment banking; Take full advantage of the network coverage of the three-dimensional as well as their already established brand advantage to cultivate a number of higher loyalty, the contribution of higher business customer base, with customers recommend customers to continuously improve the customer brand of Gansu Branch of China Construction Bank investment banking awareness; Adhere to the view of risk control in business development. Based on the above understanding, Gansu Branch of China Construction Bank investment banking from the five aspects of the design, the investment banking innovation must comply with the principles and direction reveals arrangements, on the assessment of investment banking as well as internal risk control mechanism, designed investment bank business operation mechanism.