Investigation On The Operation Conditions Of Bank Of Zhangjiakou

With the interest rate market-oriented reforming, interest margin is getting more and more narrow, pricing cost management is more difficult, the traditional business model of commercial bank faced with severe challenges. Commercial bank starts to exchange their business model, from traditional single business deposits, loans and other emerging businesses to develop a variety of universal banks reverse transformation, and actively carry out financial innovation, to seek new profit growth point. In addition, in the process of innovation in the bank, the risk will be increased, which requires banks to have a more outstanding risk management capabilities, and as the focus of business management directionBank of Zhangjiakou adhere to the market orientation of the "service to the community residents, services to small and medium enterprises, service county economy", take the market as the guidance, to take the initiative to change, for innovation, enterprising, financial products become more abundant, to give strong support for Zhangjiakou and Hebei Province's economic development. As of 2015, total assets, deposits, loans were 112.386 billion yuan, 81.632 billion yuan and 38.302 billion yuan, the capital adequacy ratio, non-performing loan ratio of core regulatory indicators are better than the standard regulatory requirements. The report based on to the macroeconomic situation of China, combined with the state of the economy of Zhangjiakou area, made an investigation on situation of Zhangjiakou bank basic operating state, the business of the assets and liabilities, risk prevention measures, customer satisfaction etc, and analyzed the basic financial situation, the business structure, the risk guard measure, the customer satisfaction in the process of management of bank of Zhangjiakou, and then combined with the three strategic opportunities of Zhangjiakou area-- Beijing Tianjin Hebei integration, held the 2022 Winter Olympics, the reality of the national renewable energy demonstration zones, giving the suggestions on improving the performance of bank of Zhangjiakou.Through the analysis, this paper argues that the Zhangjiakou bank in the future development should improve the intermediary business, strengthen institutional cooperation; seize the strategic opportunity, grasp the investment opportunities; introduce the high-end talent and high-quality customers; improve service quality, creating famous brand, to provide customers with more quality financial services, to promote the economic development of Zhangjiakou area with their own development.