Study On Company's Business Transformation Of Commercial Banks Under The Idea Of Trading Banks

Transaction banking was the concept proposed by large-scale international banks such as Standard Chartered and Citigroup in the 1980 s to provide cross-border financial services to enterprises.Initially refers to the enterprise to provide such as payment settlement,cash management,trade finance and other daily base business.The financial crisis and the modern banking business philosophy changes,the banking industry gradually recognized that the transaction banking to customer-oriented,based on customer day-to-day trading behavior to provide one-stop,integrated financial services concept is the modern banking company business transformation Important direction.This paper first elaborates the concept,characteristics and business connotation of the transaction bank,and puts forward the basic content of the concept of transaction bank,analyzes the necessity of the transaction bank.Secondly,through the comprehensive analysis of macro and micro status and problems of commercial banks in China,the urgency of transition and the feasibility of the concept of trading banks to the business transformation of commercial banks.Then,based on the connotation of transaction banking and the concept of "customer orientation,coexistence of banks and enterprises,integrated service,cross-selling",we put forward the four dimensions of business system,customer system,organization system and risk control system.Finally,through the introduction of CITIC Bank's business to the transaction bank,and its in-depth analysis,come to the beneficial revelation,China's commercial bank business to the trading bank to make strategic recommendations.