| With the deepening of financial reform in our country, interest rate marketizationreform and private capital into the banking and other signs that the banking competitionis increasingly fierce. Alone on this margin to maintain high yield model of commercialBanks need to make a change. Commercial Banks must add to develop this businesscooperation, make it become the new profit growth point of commercial bank. Analysisfrom the perspective of commercial Banks, this business is in the midst of the vigorousdevelopment of the golden age of cooperation, the collections of business as one of thekey business of commercial Banks, can improve the commercial bank assets andliabilities structure, change the profit model, in this way, the core competitiveness ofcommercial Banks will increase sharply.However, because time is short this cooperation of commercial Banks, collectionsbusiness compared to Europe and the United States developed capital markets,technology, product maturity and innovation ability are yet to be improved. Collectionsof business in our country there are laws and regulations is not sound, homogeneityproduct structure design, after-sales service does not reach the designated position, andimperfect risk management problems, hindered the further development of commercialBanks business collections.Based on the collections of business as the main research object, from theperspective of commercial Banks, by adopting the combination of theory and empiricalanalysis methods, there are both qualitative analysis and quantitative analysis. First startswith the current situation of investigation cooperation business, analyzes its size, risk,profit and basic characteristics, points out existing problems and analyze the reasons.Collections and analysis business of positive and negative impact of macroeconomiclevel in our country, finally, in view of this cooperation business problems, risks, andnegative effects, put forward the countermeasures and Suggestions. |
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