Research On Development Tactics Of The Financial Trade Business For Domestic Commercial Banks

In recent years,along with the constant promotion of reform process on the interest rate marketization and the cancellation of loan-to-deposit ratio assessment and other policies in the People's Bank of China,the financial trade business is preferred and pursued by the commercial banks due to the huge profitability space,high fund usage efficiency,low risk asset occupancy and other reasons,the commercial banks pay more attention to the financial trade business,and invest more resources to compete for the profit of trade business.Under such huge environment and market trend,the trade business in Wuxi region is also experiencing the fierce competition and development,the range of trade cooperation is extended to financial company,financial lease,asset management and other innovative cooperative range gradually from the traditional bank and bank,security,trust,futures,insurance,fund and other financial agencies.The business area has already run out of Wuxi,the cross-regional even cross-border operating development pattern is formed.As a secondary branch bank in China Construction Bank,Wuxi Branch of CCB system is restricted on the management chain,licensing way,talent building,approval process,evaluation incentive and other aspects,the financial trade business development is lagged relatively in the local market,the market competitiveness is insufficient obviously,and there is a huge gap on the product variety and business scale when compared with the local competitor.Therefore,only analyzing development of financial trade business in Wuxi region and the business development of Wuxi CCB based on the analysis of current status and trend of trade business development can we find out the prominent problems restricting the development of trade business development in Wuxi CCB,and propose the correct development strategy and specific business carrying strategy,thus promoting the steady and healthy development of the business effectively.With the literature review,questionnaire survey,experience summary and other research methods,the paper forms the analysis framework theoretically,and proposes the strategy to improve the business development via analyzing the real case in the trade business operating management,combining the experience and related theory at home and abroad,and combined with the author's working experience accumulated in the industry.The paper can be divided into six parts: Part I is the introduction,which starts the explanation and theme to carry out the financial trade business in the commercial bank;Part II introduces the theory related with the financial trade business and research status at home and abroad,combs the main research opinions on the financial trade cooperation and business development at home and abroad,and summarizes;Part III analyzes the current development and trend of trade business in the commercial bank in the country based on the combing of related network data;Part IV analyzes the current situation of trade business in Wuxi CCB specifically with questionnaire survey and SWOT analysis based on the analysis on the development of trade business in Wuxi region,and proposes the prominent problems restricting the business development currently;Part V uses the related theory to propose the competitive strategy of trade business development and specific business development direction in Wuxi CCB based on the problems analyzed in the previous part.Part VI is the summary and outlook,the simple induction is made for the whole paper.Based on the development status and trend of trade business in domestic commercial bank and the analysis of the reality on the trade business in Wuxi and Wuxi CCB,the paper deeply analyzes the problems existed in the current business development,proposes the specific countermeasures,and provides the favorable guarantee for the development;Meanwhile,it can also provide the valuable reference experience and business development idea on the trade business for other commercial banks.