Business Status Investigation Of Bank Of Hebei

City Commercial Bank is an important part of the commercial bank,its function is to provide financial services for the development of small and medium enterprises,along with the development of the local economy,the city commercial bank has become an important part of the local financial market.However,in recent years,China's financial market reform to significantly accelerate the pace of the people's Bank of China for commercial bank deposit interest rates in the upper limit,coupled with the balance of treasure,financial treasure,P2 P financial products such as the impact of city commercial banks are faced with enormous challenges.Therefore,the research on the management of the city commercial banks in the hope of providing some reference for the development of other cities in China.In this paper,the Bank of Hebei as an example,through the investigation of Hebei bank's financial situation,analysis of its annual profitability,assets and liabilities of the project,DuPont analysis of historical data;and the industrial and Commercial Bank of China,CITIC Bank,Ningbo bank 2015 annual financial data in terms of profitability,asset security,risk management and operation the efficiency of comparative analysis,found that the Bank of Hebei in business process has low profitability,high operating costs,business diversification,lack of income for a single,centralized risk management problems,need through the optimization of business structure,expand business scale,adjust the profit structure,the development of diversified business,strengthen risk management,improve risk management system to solve the problem,and the development of the Bank of Hebei in the future are put forward to improve the business management level,build knowledge Famous brand,accelerate the speed of IPO,improve financing efficiency,seize the strategic opportunity,grasp the development opportunities and other recommendations.