A Study Of Cross-border RMB Settlement Business Diagnosis In Henan Branch Of Z Bank

With the development of globalization and the continuous advancement of RMB internationalization,RMB is promoted to settle currency.Henan province in 2011 was included in the pilot to expand cross-border RMB business scope,cross-border RMB business of gradually relaxing with the national promotion,also shows our country to push the RMB payment system construction,expand the use and influence range of determination.In the course of the internationalization of RMB,commercial Banks naturally become the propellers and undertakers of cross-border RMB business.Based on Z bank branch of cross-border RMB settlement business development of Henan province as an example,in the Henan branch of Z Banks related business backbone of cross-border RMB settlement business team one by one during the interview,the involved in cross-border RMB settlement business through the various aspects such as product,channel and promotion of intensive problem summary,through the interview to understand various business line about Z bank of Henan branch problems encountered in the process of cross-border RMB business,including for external reasons at the primary stage of the internationalization of the RMB,the geographical position in Henan province itself,the economic structure,weak enterprise voice and internal cause through 4E marketing theory to analyze the customer awareness is low,the internal responsibility divided carefully,passive marketing pattern,the internal mechanism is not flexible,heavy and often business development is not balanced,the person in charge of the project for cross-border system master is not comprehensive,network business generates small and each product line business backbone personnel caused by the lack of overall settlement volume small,the development of Henan province is not balanced,serious product homogeneity,performance evaluation mechanism bound cross-border business development and risk control is weak,the person in charge for the business to master lack,and the problemof CIPS marketing face multiple block one by one,from strengthening the cross-border business,promote policy research,perfect the system of business development,product innovation,perfecting the performance appraisal mechanism,the construction of corresponding risk management mechanism,strengthen personnel training and focus on marketing all financial institutions to join CIPS system became indirectly involved in this analysis summarized eight aspects put forward effective countermeasures.In this paper,through the interview based on existing problems in the actual business development,with 4E marketing theory with practice,summed up the related development countermeasures,in order to achieve cross-border RMB settlement business development of Z bank branch in Henan province to provide certain reference significance.