Study On Management And Development Strategies Of Branches Of WFCB Bank

The banking industry,as the most important component of the financial institution system,plays an significant role in economical development,the environment of which in turn also affects the development of commercial banks.Recently,as the economy improves,commercial banks in China have made huge progress with rapidly increasing amounts of branches.Meanwhile,the finance market system is gradually perfected as the reform of finance market deepens.After some polices,such as interest marketization and deposit insurance,are issued,the commercial banks embraces a key moment in history.For small-and medium-sized banks,they are confronted with the difficult task of how to find their position and direction at the moment,make sensible scientific configuration and management of their branches,and survive the process of deepening finance reform.This thesis introduces current domestic and foreign status of macroscopic environment and economic trends,as well as the definition of commercial banks and the characteristics of business products.It then elaborates the primary mode of current branch development of the banking industry,that is,head-branch structure and business division mode.By the means of case analysis and one regional municipal commercial bank,i.e.,WFCB,taken as the research target,it introduces the development history,founding background and current status of the bank,then analyses its status of business operation and management,which points out the obvious problems during its business development.Various factors that affect the branch development of WFCB are analysed from both internal and external aspects.Using SWOT analysis method,the thesis analyses existing advantages,disadvantages,facing opportunities and risks of WFCB.On the basis of considering all kinds of internal and external factors,making best use of the advantages and bypassing the disadvantages,a method to break the “bottle neck” is found after all strategy modes of combining different factors are obtained.Based on previous analyses,future development strategies and implementation measures of WFCB's financial business are proposed in six perspectives,which are county region expansion,inter-regional development,business transformation,management upgrade,talent-driven and culture-driven bank prosperity.Lastly,according to the development strategy of WFCB,some studies on daily management are made on the basis of combining the author's practical experiences.As the banking industry now has entered an open competition environment,the development of WFCB and its branches represents a typical small-or medium-sized bank.The author hopes to provide some insights and references for the following development of branches of WFCB itself and other small-and medium-sized commercial banks by the author's research in the thesis.