Research On The Development Of The Deposit Business Of GS Bank Zhoukou Branch

Deposit is the main liability business of commercial banks, sufficient deposits are the means of the bank to maintain liquidity and profit source, but also the focus of competition in the financial industry. With the rapid development of China's financial market and commercial bank business transformation of China has undergone tremendous changes on deposit business development and external environment, deposit growth, product structure, term structure change. At the same time, in the face of the impact of the interest rate market, Internet banking, commercial banks to absorb the cost of deposits increased significantly, the difficulty of obtaining deposits increased, the deposit market competition become more intense. In the face of increasingly severe market situation, GS bank Zhoukou branch to maintain a leading position, it must ensure that the continuous growth of the deposit business and market share, thereby enhancing the competitiveness. Therefore, how to expand more customers, improve the market share of the deposit business, has become the GS bank Zhoukou branch urgent need to study and solve the problem. In combination with the present situation of economic development in the Zhoukou area, first introduced the GS bank Zhoukou branch organization, then through the deposit marketing mode, deposit scale, market share, and the type of deposit deposit interest specific cost analysis, find out the problems of Zhoukou branch of GS bank deposit business development, such as deposit growth lack of power and stability, the deposit structure needs to be optimized, the marketing model behind, market segmentation is not enough, the overall quality of the marketing measures are not effective and marketing personnel need to be raised. Through the analysis of the causes of these issues, combined with the GS bank Zhoukou branch is facing the internal and external environment and their own advantages and disadvantages, and puts forward a series of opinions and suggestions: one is to increase the credit, improve the enterprise Small and micro businesses loans accounted for, through the supply chain business model as long as the lock core of enterprise development, you can get the bulk of the downstream customers of small and medium-sized enterprises, so as to realize the mass growth of customers, realize the development of business assets in an effort to stimulate the rapid promotion of public savings. Two is to improve marketing capabilities, and vigorously expand the deposit business market, expand customer base. First of all, to establish a market-oriented marketing idea, from passive to active service in the past will be bank financial business to market, enhance customer satisfaction, bring the rapid growth of deposit liabilities by growth in the number of customers. Second, enhance the ability to use new products, to promote the steady development of the deposit business, and strive to increase the quality of innovative new customers. Three is to actively optimize the deposit structure, reduce the cost of the deposit business capital, to further improve the level of profits of the bank, to enhance its comprehensive competitiveness of the market.