Research On The Development Of Financial Services In City Commercial Banks Illustrated By The Case Of Bank Of Zhengzhou

With the transforming and upgrading of China's “New Normal” economy and the full implement of the interest rate marketization,China's banking and economy gain access to the new phase together.However,as deposit interest rates and S & L(saving and loan)interest margin keep falling,financial services serve as an effective means to attract customers to retain deposits,and an intermediary business to which every bank attaches importance.City commercial banks,as an important part of banking in China,keep progressing in financial market recently,but in view of its features,some urgent problems needed to be solved appear.The essay firstly introduces the background and significance of the subject,and the relevant theoretical research achievements.Secondly,the new features and problems that the whole city banking business will face in the new phase and the development of financial services in city commercial banks for the current situation are illustrated.Thirdly,by analyzing the environment characteristics,measures and issues to be improved in the specific case of Bank of Zhengzhou in the developmental process of financial services,the author gain enlightenment through pondering the case.In the end,from the perspective of transitional development of city commercial banks,it discusses the main difficulties that various city commercial banks will face in the development of financial services and puts forward relevant suggestions,and concludes that city commercial banks ought to focus on the development of financial services to adapt to the new changes of this industry,and strengthen persistently the hard power on bank outlets construction and network front-end maintenance,and the soft power on development pattern and talent recruitment and training.