Study On Company’s Business Of Commercial Banks Transformation And Upgrading

The concept of trading was first put forward by western bank, originally means the basic middle income service type of business for the customer such as the payment handling and settlement, cash flow management and receiving agent. With the continuous development of global economy and the innovation of marketing idea, the banking industry gradually found that based on transaction banking around the concept of customer service is the right direction of the banking business reform.This paper analyzed the adversity of macro and medium Banks’ cooperate banking services. With the deepening reform of financial system and economy present of the “Chinese new normal”, the traditional business of commercial bank has received many the challenges. The reform of interest rate marketization gradually perfect, which will continue to cut commercial bank lending and deposit interest income; Joining in the SDR of yuan and “Road Initiatives ”strategy proposed forcing commercial Banks in the international business innovation; Increasingly perfect capital market rules, direct financing products constantly enrich, finance disintermediation makes the commercial bank capital flow intermediary status began to shake; Banks open access for domestic commercial Banks to introduce the international rivals; Financial regulation has tight pine, innovation will benefit the development of the Internet financial more quickly. All of these factors will use originally belongs to the commercial bank market share. Industry financial environment change makes the customer investment and financing products and channels, but also increase the customer’s financial management cost, weaken the stickiness of customers of commercial Banks. Over the past 2015 years, economic growth has slowed, sell on credit in the exchanges between enterprises and settlement gradually increased, the risk of default controls the insufficient of traditional business is unsustainable.Then the trading bank building long-term practical experience at home and abroad were reviewed and summarized. According to the theory of STP and 4Rtheory, analysis the commercial bank can solve part of the company’s business through transaction banking model. Can through the trading bank internal business, in order to effective number of clients as a starting point for settlement of ascension, precise marketing specific target customers, to provide supply chain financing for small and medium-sized enterprises, large enterprises with cash management and asset management services, multinational enterprises and linkage, big data to control risk and so on, to provide customers with comprehensive, end-to-end one-stop financial services, to help commercial Banks improve middle income source, increase customer stickiness, access to low-cost deposits. At the same time, it points out the development in our country trade bank department found of how to effectively integrate, how to design performance evaluation, the problem such as whether match the IT technology level. Finally use transaction banking model brought to the level of business advice.