Present Situation And Countermeasures Of HEBEI Bank

Along with China’s economic reform into deep water period, under the background of market-oriented interest rate commercial Banks facing the opportunities and challenges. The interest income pattern of traditional commercial Banks are challenged, the traditional commercial bank to universal Banks is also the trend of The Times. On the financing structure, the proportion of direct financing is steadily improving, and given priority to with commercial bank that indirect financing proportion is falling. Appears more and more small micro enterprise also makes the commercial bank faces the body of the need to develop, the commercial bank’s agriculture big customers, big customer centered business strategy needs a transformation. More and more stringent, it is necessary to enhance the capital constraints making the development of commercial Banks how to revitalize the off-balance-sheet financing, flexible more money become a problem in front of each bank. Developing a broader investment banking is important way in the development of commercial Banks, so does the explore on the commercial Banks in investment.The bank of HEBEI was established in 1996, which is one of the first five urban cooperative Banks pilot, is currently the largest city commercial bank in HEBEI province, the bank is also the only included in the provincial management of HEBEI provincial capital firm. HEBEI bank’s goal is to build leading public bank around sea area, HEBEI banking business has developed rapidly, the development of investment banking business is relatively slow, the contribution of investment banking is very limited. For HEBEI bank, according to the financial investment banking business in the field of freshmen to obtain rapid development has always been a problem worthy to be discussed. The development of investment banking business transformation in the development of HEBEI bank has very important significance. Facing more huge capital scale of state-owned commercial Banks, joint-stock commercial Banks and foreign Banks, bank of HEBEI should develop more small micro enterprise features, strengthen the comprehensive products, targeted, and small micro enterprises as the main breakthrough, strive for and accumulate more and more high quality customer resources, can achieve more market share of profit space is worthy of HEBEI bank actively explore and solve, and that is the purpose of this study.Articles in the HEBEI bank to carry out investment banking business, through the status, problems and reasons, causes a few aspects to finally come to the HEBEI bank strategy Suggestions, of course, through the analysis of HEBEI Banks, can further develop ideas, through analysis of HEBEI bank different advice to business development, the scope of economic theory, scale economy theory, portfolio theory and asset special theory and financial function theory as the theoretical basis, strive for more Suggestions for the development of investment banking business in HEBEI to work out specific strategies for HEBEI bank. Such as: improving investment banking emphasis, increase investment in investment banking, accelerate the construction of talent, and strengthen the cooperation between peers. These Suggestions are around the bank’s investment banking in HEBEI so as to help Banks in investment banking in HEBEI developing further room to improve. For HEBEI bank designated by the investment banking business strategy, the article specifically for the actual situation in HEBEI province, in the HEBEI bank faces both internal and external environment for the targeted analysis. Hoping the article can explore to HEBEI bank beneficial exploration for the development of investment banking business and help, under the fierce market competition, get more development., of course, from the actual situation of HEBEI province and from the complexity of investment Banks, HEBEI bank to carry out the analysis and exploration of investment banking or has a certain reference, so the article studies not only for the city of HEBEI bank the commercial Banks to explore the development path, at the same time for the same type of bank business development to provide reference.