The Corporate Finance Development Strategy Of Commercial Bank

In the Western developed coutries'financial system which is guided by direct financing,capital market is the core of finace and economy.While in our country's finacial system which is guided by indirect financing,commercial banks have become the core and hub of finace and economy,undertaken the functions of total social payments,credit,resource allocation and diversification of risk.Our country is on the way to being industrialized and urbanized.Commercial banks have overtaken personal finance as the core of finace and economy.According to statistics,by 2010,comercial banks RMB company loan balance was 39.66 trillion,which was 3.52 times of individual financial credit,RMB company savings acounted for 42.11 trillion,1.32 times of savings deposit.For this reason,the thesis is edited under the title of Study on commercial banks' corporate finance development strategy,and taking author's work unit as the research object,exploring the corporate finance development strategy of a Sichuan commerical bank's tier-one branches located in the western China.The thesis includes foure parts.The first part mainly introduces the background,objective and significance of the research,summarizes the basic thoughts and methods of the thesis and gives the framework.The second part is the theoretical analysis section,emphasizing on analysising the evolution process of commercial bank functions,and economy and finance development theory and their core concepts,the macroscopical,middle and microcosmic factors and action mechanism and so on which affect the corporate finance development strategy.The third part is the keystone of this thesis.After accounting for the developments of Sichuan province's regional economy and industrial economy during the period of 11th Five-Year Plan,this article believed that the quickened development of Sichuan's industrial economy provided a healthy industry economic external environment to ZG bank Sichuan provincial branch for the development of company's financial affairs.But in terms of the proportion of our totoal business volume of corporate finace primary service to the same trade and banks in our systeml.But from the analysis that total business volume of corporate finance primary service occupied the shares in the same trade and banks in the system,the market competitiveness of ZG bank Sichuan provincial branch is behand our main adversaries and advanced banks in our system,and is not complete matching the national ranking of Sichuan province's economic production.From this,the financial Strategic System of ZG bank Sichuan provincial branch which the author served in was formulated.Special stress was laid on analysing the factors which affect the corporate financial strategy formulation by loan/deposit ratio and economic capital.The two factors loan/deposit ratio and economic capital,were discussed respectly.One reason is that the former is the core index of commercial bank epitaxial development.The other is that the two index have a great influence upon commercial bank coperate finical development strategy and business mangement.The fourth part is the key content of the thesis.This thesis elaborated the implements and achievements of corporate financial development strategy during author's duration of work in the company.It can be concluded that ZG Bank Sichuan Provence branch corporate financial strategy implement needs the innovation of organizational structure.This thesis proposes the concept RPC marketing service and requires the innovations of Customer focus organizational structure and Function expansion,describes that the corporate financial strategy implement needs the innovation of performance management,proposes the incentive and restraint mechanisms centering on corporate financial profits royaltiy,and puts forward the particular implement rules of corporate financial strategy to expand channel construction and optimize the assets,liabilities business.The last section of the fourth chapter describes the development and structure optimization of a broad of operational activities since the author was in charge of the corporate finaical work.The company I presided over choose the financial business since the changes in work rather than choose from the company's financial strategy of the business since the enactment of the changes.The reason is that,the date since I chaired the company until the strategy is formulated also is the stage that I explored the strategy of corporate finance.Some sragtegy idea objectively reflected on my daily work.Come upon after writing,the author obtained a chance to reflect upon our corporate financial strategy formation and implement again.From practical experience,in order to make hank corporate finance match with the regional industrial economy development more accurately,the strategy of assets promoting liabilities and middle business coordinative development proposed by the author is worth studying.Of course,the author hopes that the regulatory authorities(policymakers of monetary,fiscal and industrial policy)avoid the phenomina of one size fits all and properly handle the relationship of estern,middle and western regions'development when instituting macro-and mid-scopic policies.When the developed regions get the certain stage of development,they should back feed the middle and western regions,especially in techniques,resources(Finance and Credit)as the later once supported the former.The innovation and shortcoming of the thesis:The innovation of the thesis lies in:In topic selection,the thesis regards ZG Bank Sichuan Province branch which the author serve in as the research object,and takes the corporat e financial development strategy work incharged by the author as the studied case,combines theories,bases on the concrete working practice and deeply analyses the corporate financial strategy formation,development and implement.It is also helped to review and improve the author's ability.And the author were hoping for something original in bank corporate financial strategy research.As for research methods,this thesis is based on economics and management,emphasises the combination between the theory and practice,employs the theory to guide the practice,tests the theory in practice,attempts to pursue innovation in the aspect of ZG Bank Sichuan Provence branch corporate financial strategy formation and implement,and boosts the further development of corporate financial business.1.In the heavy industry and urbanization process of under-developed areas,commercial bank company corporate finance should insists on.2.The corporate financial strategy development should be in compatible with monetary and fiscal policies.Under the pro-active fiscal policy and accommodative monetary policy,we should be open in every aspect to speed up the business development.Under the moderately contractive monetary and fiscal policy,we should be practicing skills as speeding up the business development,and waiting for the next opportunity.3.The corporate financial development strategy should be in compatible with national and regional industrial development plan.4.Keeping pace with the times,constantly strengthening the evolutions of commercial bank corporate financial organizational structure,performance appraisal,channel construction and so on,to adjust the corporate financial development strategy.The shortcomings of this thesis:Due to the difficulty of data collection,the section of The Booming Electronic Bank in the fourth part was described breifly,so it looked a little unsufficient for electronic bank to be an important channel of coporate financial business development.In addition,the strategy of assets promoting liabilities and middle business coordinative development proposed by the author mainly bases on the deposit-based strategy of the company the author served.For hard to acquire materials and other reasons,the thesis contains a few words about deposit-based strategy.