A Research On The Logistics Banking Business Of China Construction Bank Hebei Branch

The logistics bank business of commercial banks can solve the financing problem for the small and medium-sized enterprises, and increase the profit growth point of commercial banks. As early in the 1980 s, the western commercial banks launched the logistics bank business, which has made great achievements through long-term practice. With the rapid development of China’s economy, the industry competition has become increasingly fierce, and business innovations are badly needed to increase the core competitiveness for the commercial banks. At the same time, along with the entry of foreign banks and rapid rise of the internet finance, the difference between deposit and loan has become smaller and smaller. Therefore, the commercial banks need to find new ways of profit growth, so as to obtain advantages in the market competitions. Based on the above two factors, China Construction Bank has initiated the logistics bank business.Under such background, this paper probes the logistics bank business of the China Construction Back Hebei Branch(CCBHB). The research processes are as follow:First, this paper introduces the theory of the logistics bank business of commercial banks, and indicates that the logistics bank business has changed the traditional fixed assets mortgage, and instead, the logistics bank business encourages the small and medium-sized enterprises to conduct movable property mortgage. The main parties involved are commercial banks, small and medium-sized enterprises, and third-party logistics companies. The third-party logistics companies usually provide information service to the commercial banks. This method has helped the small and medium-sized enterprises with financing, and helped the commercial banks with business transformation and risk diversification as well. In addition, the logistics bank business can improve standardization of the logistics companies.Secondly, this paper introduces the current situation of the logistics bank business, and analyzes the advantages, disadvantages, opportunities, and risks of the CCBHB, using the method of SWOT. Strategic suggestions were brought about.Thirdly, in order for ideas of better development, this paper put forward to suggestions of innovation and optimization regarding the current products and the credit approval processes of the CCBHB.Finally, this paper analyzes the reasons of the problems when the logistics bank business is conducted, and puts forward to the strategy of risk control through clarifying the focuses of pre-loan, loan, and post-loan risks.