Ping An Bank's Comprehensive Business Strategy Research

Limited by the regulatory reality and business capacity,there are problems such as evading regulator red line,inconsistent interest concern and business conflict with the subsidiaries in the group in the comprehensive operation of Ping An Bank.However,under the circumstances that the government is gradually loosening the regulation on comprehensive operation,how to surpass others and improve overall competitive strength through comprehensive operation strategies in a new macro-environment that economic development is slowing down and economic structure is being adjusted? This is an issue Ping An Bank has to face.The article was written against the above background.On the basis of referring to the theories on comprehensive operation of banks and borrowing the successful experience in the comprehensive operation of other banks at home and abroad,the author adopted PEST,SWOT and the Five-Force Model to analyze the opportunities and challenges,strengths and weaknesses of the comprehensive operation of Ping An Bank and made overall strategies and business strategies for the comprehensive operation of Ping An Bank and the safeguard measures for carrying out the strategies.In conclusion,Ping An Bank shall extend comprehensive operation to assets business,liabilities business and intermediary business depending on its powerful products,customers,policy resources and millions of sales terminals to make a breakthrough in customer size,asset size,improve asset quality and profitability and realize the strategic transformation from a bank operating single business to operating comprehensive businesses.The research result of the article not only provides action guide to the comprehensive operation of Ping An Bank,but also has some reference value for the comprehensive operation practice of other similar banks.