Commercial Bank Financing Business Development And Strategy Research

Since 2011, the reserve ratio has been raised, the difference between the reserve rate adjustment measures implemented and the real estate market downturn and other factors, commercial banks to increase credit growth trend is obvious, China’s banking industry while maintaining a stable profit growth, but compared to the growth rate has declined. At the same time, because the credit scale is still high, the capital liquidity of commercial banks is obviously reduced, and the deterioration of asset quality is expected to be further increased. At present, advance the implementation of market-oriented interest rate reform has been in full swing, previous commercial bank net interest difference sources of income will be further compressed, we can expect future money market interest rates will fluctuate, overall capital and tightening is expected to will make commercial banks to vigorously develop the capital business will become a trend. Commercial banks will accelerate the implementation of large capital business as the core of the market strategy, and continue to innovate new financial instruments and products in the field of financial business, to achieve business restructuring of the effective breakthrough, thus becoming the core competitiveness of commercial banks is an important aspect of the.However, in China’s banking industry, although the financial business through the transformation and development in recent years, with the development of the financial market, commercial banks have significantly improved their investment capacity, but the original capital adjustment function is weakened, its own funds and financial services on behalf of the lack of innovative capacity, coupled with the irrational allocation of functions, resulting in commercial banks are still widespread financial business is difficult to play its flexible, variable characteristics, in response to the existing credit crunch situation. Therefore, commercial banks on the occasion of the profit model, capital business must strengthen the business development model, risk control level, asset allocation capabilities, talent team construction and other aspects of innovation, and make full use of its funds to adjust the role and diversification profitability.This paper is to start with the existing financial business of commercial banks in China, through the analysis of the overall operation of the banking industry, the domestic and foreign commercial banks to carry out the advanced concept of capital business, forecasting commercial bank funds business will usher in a major development opportunities. At the same time through the CS commercial bank specific case analysis, for the current financial development of the overall situation, to explore the feasible development strategy, and the innovation mechanism and risk control of financial products, and put forward some feasible plan, the future need to focus on the problem of combing, put forward some operable measures and methods.According to a certain logical relationship, this paper established the overall framework, divided into five parts: the first part is the introduction, this part of the research purposes, the main content, the use of research methods and domestic and international theory and practice of the status quo. The second part focuses on the research methods and theoretical knowledge, for the following empirical analysis to provide elements support. The third part focuses on the analysis of the current changes in the banking industry as a whole, highlighting the background of the deepening of the reform of the financial market, the restructuring of the banking business structure has been accelerated, leading to the development of capital business opportunities, capital business has become the main development direction of the bank. In the fourth part, through the analysis of the current situation of China’s commercial banks, we explore the research on business innovation and development strategy, and pointed out some problems and Countermeasures in the process of capital operation. The fifth part is a case study of the development of CS commercial bank financing. In the deep analysis of the development strategy of the bank in the development of capital business process, the main development ideas, including the development way, asset allocation, risk control, personnel and so on, and elaborated the actual business benefits of the bank, the previous view of the actual demonstration.