Research On Financing Strategy Of Joint-stock Commercial Banks

Over the years,the global financial crisis has further deepened the understanding of the relationship between modern finance and economy.The decision of the Central Committee of the Communist Party of China on the deepening of major problems in reform has been pointed out that the financial market system should be further improved and expanded The financial industry is open to the outside,allowing qualified civil capital to initiate the establishment of small and medium-sized banks and other financial institutions,the development of Pratt & Whitney finance,to encourage financial innovation,enrich the financial market level and products,the establishment of deposit insurance system,improve the financial institutions market Exit mechanism to ensure the safe and efficient operation of financial markets and overall stability.Finance is the core and lifeline of the modern economy,the catalyst and booster of the rapid and rapid development of the economy,penetrate into every corner of the market economy,and economic development complement each other.This paper expounds the research background and the research significance,summarizes the existing research in the commercial bank financing theory and the commercial bank financing strategy,and analyzes the capital cost,the operating leverage and the financial lever and the optimal capital structure of the joint-stock commercial bank Analyzed.This paper summarizes the financing situation of the joint-stock commercial banks,the reform and development situation,the financing status and the financing factors of commercial banks.And then analyzes the financing environment of the joint-stock commercial banks from the four dimensions of the political environment,the economic environment,the social environment and the technical environment,and analyzes the advantages and disadvantages,opportunities and threats of the financing of Qingdao Rural Commercial Bank.Finally,the paper puts forward the proposal of Qingdao Rural Commercial Bank financing from the financing strategy of Qingdao Agricultural Bank,the establishment of standardized financing team,the integration of online and offline financing marketing platform and the strengthening of risk control management system construction.