B Toward Bank Yunnan Branch Credit Business Development Strategy Research

At present, the domestic financial market is developing rapidly, a lot of enterprises financing through the issuance of stocks and corporate bonds and other means, they continue to broaden the financing channels."Financial disintermediation" phenomenon has become increasingly prominent, the contribution of the bank’s business in a gradual decline, resulting in the profit space decreased of corporate credit business of Bank.In recent years, the commercial banks in order to meet the market demand in Yunnan, to improve market core competitiveness, ongoing financial innovation, have launched a new product to the public credit. At the same time, the joint-stock commercial banks continue to rise and a number of foreign banks into, make the commercial banks in Yunnan province has changed, the public credit business market competition more intense. Therefore, each commercial bank to the public in the credit market competition, face the public credit business market development issues.This paper takes Yunnan branch of B bank as an example, carries on the research of corporate credit business market development. With the macro policy changes, the business environment, regulatory requirements, Yunnan branch of B bank highlights on many problems, such as:public credit business customer structure unreasonable, the credit product concentration, lack of marketing talents. For effective risk management, to better achieve the rapid development of credit business of public health in the "Twelfth Five Year Plan" period, this article embarked on corporate credit business problems and the current situation from Yunnan branch of B bank, analysis of corporate credit business of Yunnan branch of B bank market environment and factors, in view of the existing problems and restricting factors, explore development and optimization corporate credit business strategy and measures for Yunnan branch of B bankThe paper aims at research on the development of the corporate credit business for Yunnan branch of B bank, proposed to meet the current situation of Yunnan branch of B bank, which has operational suggestions and strategies. These strategies and suggestions that can be adopted in the bank, the hope can help the Yunnan branch of B bank to expand its public credit business, enhance the competitiveness of banks in the credit market, so that Yunnan branch of B bank to obtain greater economic profit, to make modest for Yunnan economic prosperity and development.