| Along with the foreign capital banks and emerging private financial institutions continuing joining, the domestic capital market, inluding banking, has developed rapidly. The development will come inevitably with competition, and along with the acceleration of market-oriented interest rate reform, the traditional corporate banking services business model of several large state-owned commercial banks in China bears the huge impact. The demand of intermediary business product portfolio, such as the needs of new product business of banks in corporate banking in all types of enterprises, and deposits, loan products of the customer unit and cash management, has become more and more, which has brought enormous challenge and the rare opportunity to expand corporate banking services in the state holding banks. At the same time, because the current online product and service system of several major state-owned banks also exist problems, such as difficult to integrate and optimize the system, coupled with the issues such as the existence of the service manner being old, how to deal with these problems, and how to enhance the core competitiveness of state-owned banks is of great significance. In addition, the branches have some old problems, such as single business variety and old service model.This paper starts from the operating status of the Construction Bank of China Inner Mongolia branch analysis. Based on the analysis of business environment of the domestic banking and the necessity of transformation, it introduces the corporate banking services varieties and business model of Inner Mongolia branch of China Construction Bank in detail. It profoundly analyses development survey of corporate banking services and achievements and the existing problems in the Inner Mongolia branch of China Construction Bank, such as the customer base being weak, the need optimizing the structure, unreasonable business structure, unbalanced development of intermediate business product, small quantity of business outlets, unperfect layout, the lack of integration of IT service system, the aging service manners, the weak construction of client manager teams of corporate services etc.. And on these basis, it gives way and concrete measures about the development of transformation of corporate banking services business model in Inner Mongolia branch of China Construction Bank, including strengthening the infrastructure construction of bank customers, developing brand bank, optimizing business structure, developing the intermediate business, increasing the network layout, enhancing corporate banking services management level, replacing the extensive management model with fine management model, transforming the traditional loan business into the provision of financial services, replacing the counter service with the network electronic banking business, strengthening the client manager team building in corporate banking services.Hoping that the article can provide certain reference significance for the transformation of the Inner Mongolia branch of China Construction Bank corporate banking services. |
