The Problems And Countermeasures Of The Savings Deposit Business Of Bank Of China Inner Mongolia Branch

Deposit is the foundation of all commercial banks to carry out business activities, although with the capital source channel of commercial banks increasingly diversified, the proportion of deposits is declined to some extent, the leading role of deposits is never threatened. Because of the advantages of the large proportion, fast growth, high stability and low cost, saving deposit has been the most important source of funds to the commercial bank for a long time and accounted the highest proportion in the various sources of funding. Today, with the complicated and changeable commercial bank management situation, the competition among savings deposit business is getting daily intensified.On the basis of related theories about commercial bank deposit business, this paper, with the Bank of China Inner Mongolia Branch as the research object will expose the existing problems in terms of branches, clients, products, and savings deposits business development of the branch through quantitative and qualitative analysis and comparative analysis and then dig deeper into the external causes of the existing problems because of economic growth, personal income, interest rate liberalization, inflation and other investment style and the internal causes because of distribution channel, customer scale, service level, service fee pricing and product sales. Finally, according to the existing problems and the deep reasons behind, the paper will put forward a series of reasonable suggestions for the future deposits development of the Bank of China Inner Mongolia Branch.