The Development Strategy Of Hebei Bank Under The Background Of Integration Of The Beijing-tianjin-hebei Region

Regional economic integration is the inevitable trend of global economic development, and our country is carrying on the development of regional economy. Since the reform and opening up, China’s economy presents the obvious regional development, and gradually formed the different economic regions, such as Yangtze river delta, the pearl river delta, Beijing-Tianjin-Hebei region, and so on. Beijing-Tianjin-Hebei region is the economic center of northern China, also is an important factor for the development of the economy in northern China. Now the coordinated development of Beijing-Tianjin-Hebei rises for national strategy, and it attaches great importance of the state and society. With the advancement of the coordinated development of Beijing-Tianjin-Hebei, this puts forward new requirements for the development of Hebei Bank. Its development pattern also needs to change. In order to better respond to and adapt to the coordinated development strategy of the Beijing-Tianjin-Hebei region, promote the integration of the Beijing-Tianjin-Hebei region road smooth, harmonious and stable, study on the development strategy of Hebei Bank, has certain theoretical significance and practical significance.This paper carried on the thorough research on the strengths, weaknesses, opportunities and challenges of Hebei Bank, by the SWOT analysis method, from the perspective of strategy. It finds that Hebei Bank has its unique advantage in terms of geography and information and decision system aspects, service object and local policy support; But it has some disadvantages in terms of its assets scale, service outlets, talent reserves, product and service innovation and financial ecological environment; Along with the gradual integration of the Beijing-Tianjin-Hebei region, it will provide opportunities for Hebei Bank, such as new capital requirements and customer base, breaking the geographical boundaries, promoting cross-regional development space, bringing science and technology, human resources, improving the innovation ability; At the same time it also can bring some challenges, such as the challenge from other commercial banks, the challenge of regional financial risk transfer and the challenge of financial collaboration mechanism lag. Later in this paper, it analyzes the strategic measure for Nanjing Bank and Shanghai Bank, and combs out three enlightenments; First, insist on differentiation and characteristic development strategy; Second, cross-regional development; Third, the introduction of strategic investors.Finally it clearly puts forward the development strategy of specific measures, First, insist on differentiation and characteristic development strategy, mainly from three angles of the product characteristics, service and brand features; Second, innovation development strategy, mainly from the product innovation and service innovation to attract customers, so as to be built to last; Third, continue to push forward the regional development, perfect the financial institutions; Fourth, adhere to the talent development strategy, in order to strengthen the construction of talent team, Five is combined with its own operating characteristics, implementing strategy of introducing strategic investors step by step; Six is insisting on the development of mutually beneficial and win-win strategy. The author hopes these measures can help the Hebei Bank find a suitable road for its sustainable development. At the same time, also hope it can be a good reference for the development of other city commercial banks.