The Research On The Optimization Design Of The Import And Export Enterprise Financial Services For The Baoding ICBC

Since the outbreak of the financial crisis in2008, the world economy has experienced unprecedented economic blow。 THE United States, Europe and other developed countries and regions are feeling the economic recession, as a developing country, China could not spared in this crisis. In the case of the instability of the current international and domestic economic situation and the various industries are facing recession, economic stagnation, and national economy is expected to growth also will be lowered.Throughout the current international financial community, Western Commercial Bank has long been a paradigm shift the the variable single charge interest for a variety of channels to increase revenue, in particular, to provide the service charge for the services. More single source of income of the domestic banking sector, basic deposit and lending interest rate differential, only a proportion of low service costs are accounted for. Faced with such a situation, the domestic banking sector have been restructuring, aimed at reducing the income spreads, provides comprehensive services for enterprises, especially import and export enterprises, foreign enterprises are more likely to feel the gap between the domestic and foreign banking so, as an international business center is concerned, we should be with international standards for the import and export enterprise services at a higher angle, lower financing costs for the import and export enterprises, reasonable consulting services by providing full service to obtain fee income.As the gradual loss of the strong position of the bank, in terms of intra-industry competition inside and outside, only to increase their level of service, to improve their core competitiveness, while changing the business ideas, change and other customers to come to take the initiative to come to marketing, because the bankshas been recognized, and then relied on it, only a dead end. In order to attract more customers in order to obtain a reasonable operating profit, the banks have increased their marketing efforts, and adopt various means to attract more clients. Inside and outside the banking sector has been a deeper study of the financial services program, Baoding Branch ICBC international business center in recent years has continued to exert great efforts to develop international trade finance products, services customers through a variety of ways, through service enterprises, constantly enterprise demand side to stimulate the speed of product innovation. With economic development, more and more used in banking financial services program in the marketing process, different services for different customers, not only to solve the needs of customers facing, but also to make customers feel respect, more further close bank-enterprise relationship.In this paper, through the investigation of the import and export enterprises, the contact through the understanding of the import and export enterprises in the service process, analysis of the demand, according to the import and export business needs analysis, the development of financial services programs and several mature programfor example, about corporate demand solution, designed to provide better services for import and export enterprises.