Analysis Of Earnings Structure Optimization About Agricultural Bank Of China Jilin Branch VIP Corporate Finance

In recent years, with the continuous deepening of the profound changes in theinternational, domestic political and economic situation and the global economy,financial integration, as the important pillar--the State-owned Commercial Bank ofChina’s financial industry management concept, evaluation methods and managementmode have been hitherto unknown development and promotion, especially the meansof operation and profitability enhanced, some state-owned banks have replaced thefamous foreign commercial banks, to become one of the world’s most profitable bank.However, from the analysis of the income structure of domestic several bigstate-owned banks, the traditional corporate credit business income is the current andfuture period of time the main source of income and profit source, non interestincome of state-owned banks has been hovering around15%, far below the Europeanand American Commercial Bank non interest income accounted for the average totalincome40%-more than50%.Since2007, with the state-owned steadily further and gradually completed,corporate customers because of large-scale fund, the financial demand, businessdiversification of varieties and become a hotly contested spot financial enterprise,bank competition on the city business, especially for the key state-owned enterprisecorporate customers increasingly fierce competition. In2009, the head office of theAgricultural Bank of China established the customer department, specialized servicesin the central enterprises, such enterprises and other national enterprise group, as theAgricultural Bank of China, customer segmentation, accurate service, enhance thefunction of opening a precedent. According to the unified deployment of the headoffice of the Agricultural Bank of Jilin Province, established a large customerdepartment in2010August, focusing on the Jilin province of central enterprises, the world500strong in molecular company as well as the provincial key high qualitycustomers to provide all kinds of high quality, efficient financial services. Since theestablishment of Agricultural Bank of China branch VIP customer department,customer service in Jilin province customer quantity and asset scale growthsignificantly, specialization, refinement, team level obvious promotion. In2012theJilin branch of business has total assets business scale more than50%, more than inthe overall scale crunch loan growth still reached the entire line of90%, become oneof the most important pillar of the revenue, the Agricultural Bank of China Jilinbranch however, non interest income of agricultural Banking Company large businesscustomers in Jilin province accounted for only about10%, the structure of businessincome is the optimization space, great and, along with the strengthen capitalconstraints, commercial banks in-depth explore diversified service, looking for newprofit growth point, especially for non interest income in order to save the capitaloccupation, the intermediate business income has become the province’s mostimportant means of business transformation, accelerate the innovation of servicevariety, to enhance the profitability and the main effort.In this paper, based on the development history of official of Jilin ProvinceAgricultural Bank customer service and the reality of the development process,comprehensive consideration of the financial trade business, focusing on commercialBanking Company class business benign operation and long-term development, toconduct a comprehensive in-depth study of Jilin branch of Agricultural Bank of Chinabusiness development issues, at the same time trying to find a solution and aneffective approach to development, to optimize the income structure of AgriculturalBank of China business in Jilin Province, comprehensive income to improvecustomer service, and promote the province’s overall level of profitability has veryimportant practical significance, this is also a useful theoretical exploration ourcountry commercial bank to change management mode to realize the incomestructure, diversification has done, hope to provide valuable experience for thefinancial industry business development.