China Construction Bank Branch In Yangling District Development Strategy Research

In China, the process of urbanization gradually accelerate, the status of country economic system becomes more and more important in national economy, the status and environment of country agency are increasingly significant in bank management strategies of various merchants. In recent years, many financial institutions have unanimously optimistic about development prospects of country market and increase the investment of staff, outlets and self-help equipment, they also use the means such as spiritual inspiration to improve staff enthusiasm, thereby improving working quality and increasing contribution proportion of country branches. However, how to confirm development strategy, improve competitiveness and business performance has already been one of major development topics faced by financial institutions. This essay researched the development strategy of financial institution, China Construction Bank Yangling Branch, in order to explicit the development strategy of the institution, accelerate local economic development and improve the competitiveness in the same industries.Based on the theories of strategic management research, the essay adopted the method of theory with practice, reviewed the relevant theory and research trends of financial institution strategy, analyzed actuality and internal and external environment of Yangling Branch, discussed development strengths, weaknesses, opportunities and challenges of Yangling Branch by using the SWOT method, specified the development strategy, put forward the strategies and safeguards to achieve its development.Studies suggest Yangling Branch has significant advantages in the mortgage business, e-commerce financial services and regional economic, ability insufficiency of product innovation and the lack of experience in international and individual business are its disadvantages, transfer payment times arrival pushed by technology and urbanization development opportunities can offer great market opportunities for Yangling Branch. There are two factors limiting the development of enterprises, the first is interest rates liberalization reducing net interest margin, the second is talent allocation not meeting financial industry development demand.Yangling Branch of China Construction Bank research suggests that the business development strategy should focus on the development of liabilities business, investment and financing business in the future. On the strategic approaches to public liabilities, vigorously expanding institutional customer and business cope is the key, it is still important to expand public liabilities market share through seizing people’s livelihood funds of financial business, social security, medical insurance, and other areas. On the strategic approaches to personal liabilities, it should be emphasis that striving for personal liabilities business development by grasping individual high-end customers, township and village land expropriation demolition charges, administrative institution and enterprise payroll credit, one-time undertakes and the other bulk undertakes. On the development strategy to investment and financing business, Yangling Branch of China Construction Bank should speed up transformation and development of the investment banking and the third investment business based on the traditional credit advantage, the key is to release the concept transformation from fund providers to organizers, the transition from small business development to platform, large data credits, the frequent transition from individual assets business to management and consumption credits on the basis of the consolidated mortgage advantage. On the Internet financial business, the strategy is to adjust the Internet financial concept, Yangling Branch can carry out online business and offline business with the help of existing CCB Internet financial ecosystem. Using the Internet financial to promote HP financial, the branch can also find cooperation like platform customers, business customers and cash concentration customers in regional or larger range, they all can help achieving the transition from commercial banks business to quantitative and comprehensive management and promoting traditional business.Yangling Branch of China Construction Bank research suggests that perfecting business organization, improving risk control, leveraging big data analysis and relying on corporation culture of cooperation and services should be used to provide protection for the business development strategy in the implementation of development strategies.