Enterprise Financial Light-weight Strategy Research On China Merchants Bank Harbin Branch

After the global financial crisis,facing complex macroeconomic and financial industry environment,China merchants bank deeply understands that the development of company financing can solve company financing difficult bottlenecks,increase job,and solve the problem of the people's livelihood,etc.In 2015 year,China merchants bank pointed out light company financial strategy,mainly through cash management,cross-border finance,mergers and acquisitions of financial.From the loan amount resources,credit policy,process optimization,and product innovation,China merchants bank will try best to serve company financial business.China merchants bank Harbin branch has set up 14 years and become leading bank in Harbin city.However,with fierce competition of the banking industry and increase of banking institutions,China merchants bank Harbin branch is facing many problems such as customer churn,staff turnover and declining market share.How China merchants bank Harbin branch at the process of transformation to overcome the existing defects,the formation of bulk guest,precise marketing and efficient services and the depth of management continuously explore building a light-duty financial management pattern,are problems that urgently need to solve the and explore.This paper reviews the related literature about commercial bank literature,and on the basis of relevant development strategy theories,from the strategy implementation and strategic security point of view,the external environment analysis and internal environment analysis to explore the merchants bank face the macro environment,industry environment and internal ability of the future development strategy.We clear and definite the strategic objectives and positioning of company financial light-weight strategy.Then,this paper formulates light-weight strategy from three aspects,i.e.,asset,operation and management.Finally,according to light-weight strategy,we provide strategy actualization from seven solution.the company financial light-weight strategy has a certain guiding significance to bank future development.