Analysis On The Development Strategy Of Baotou Bank 's Debt Business

In recent years, China’s economic slowdown, economic and financial situation facing downward pressure, the state implemented contractionary fiscal and monetary policy, banking absorb funds business is facing unprecedented challenges. With deposit rates to accelerate the process of marketization, bank deposit and loan interest rate volatility will be expanded, spreads will narrow. In liability business innovation, five state-owned banks have submitted negotiable certificates of deposit business eligible to apply, and promote market-oriented banking products, but also exacerbated the product liability business competition, commercial banks must actively seek new business growth liabilities. However, from the banking business model perspective, banks tend to focus on the traditional business model of relationship marketing and price competition in the lower level, only to meet a particular customer’s financial needs leading to slow growth in the customer base, deposit liabilities of the stability and growth of the business poor, hindering the commercial bank debt sustainability of business.For the contractor bank liabilities Baotou branch operations, relatively simple structure, the lack of innovative power, while the debt management is also a lack of systematic theory, there is a certain self-liability business development bottleneck How to break in the fierce competition in the profitability of obstacles to broaden the spatial differences in management, business development to explore new paths, has become the contractor bank Baotou Branch currently an important issue to be studied This paper studies the business of commercial bank debt development status, a clear development of commercial bank debt business characteristics and development trends, combined with Baotou branch liability business development status, its liability business development of the external environment are analyzed and compared in this basis, the use of SWOT analysis method, the contractor bank liabilities Baotou branch business development strengths, weaknesses, opportunities and threats studied, the next step Baotou branch liability business development orientation, first serve local private, local small and medium the company’s business development orientation. Second, actively explore proactive liability business, changing the structure of the existing liability business, enhance business competitiveness of their products. Third is to actively build a retail business model, increasing the number of customers, fewer customers solve effectively the status. From three directions starting on the contractor liability business development bank Baotou Branch submit a specific implementation measures and paths.