Relative Promotion Of Financial Competitiveness Of Bank Of Nanjing Under The “New Normal”

Over the past 20 years,China's economy has maintained a rapid development of the state,with the end of the state of these years,China's economy has entered a new era of the new normal.In the new normal economic situation,the economic growth rate from high growth to the rapid growth and transformation of economic growth mode from extensive growth mode to intensive growth pattern,The structure of economic growth from the incremental expansion increment to the stock adjustment and two ways of coexistence of conversion,the power of economic growth shift from the traditional growth point to new growth point.During this period,the profit growth of commercial banks decreased significantly,and the growth rate of business income was declining,the non-performing loan ratio rose sharply,and the scale expansion and business promotion were greatly impacted.From the financial point of view,the profitability,development ability,security,core capital adequacy ratio of commercial banks are relatively weak in this period.Looking at the current listed commercial banks,Bank of Nanjing is outstanding in financial competitiveness,the average growth rate of business nearly 40 % in the past two years,profit margins are also the leading peers,the non-performing loan rate is the lowest in listed commercial banks.After the labor pains of the early stage of economic transformation,Nanjing bank quickly adapted to the changes after entering the new normal,in 2016 Nanjing bank has returned to the performance,cost income ratio,business income and other financial indicators.In recent years,the commercial banking industry is not very good,and the competitiveness of Nanjing bank how to adapt quickly,the competitiveness is worth studying.From the perspective of financial competitiveness,through comparative analysis of the financial indexes of Nanjing bank and corporate banking,three city commercial banks and economic new normal,this paper provides reference for other commercial banks to adapt to the new normal.this paper finds that Nanjing bank takes a series of measures in business model,equity debt financing,widening business scope,optimizing business structure and controlling asset quality.