Study On The Transformation Strategy Of Commercial Banks To Public Business Under The Transaction Banking Model

After the global financial crisis in 2008,commercial banks in all countries are re-finding businesses with stable profits and less risks.Transaction banks have re-entered the sight of commercial banks with their characteristics of “low risk,stable income,and low capital occupation”.Especially in the public service,in recent years,large-scale commercial banks in China have basically defined the development strategy for the transition to the transaction banking business,starting from their own characteristics,combining domestic and international experience,and taking customer demand as the direction to establish a transaction bank suitable for themselves.Transformation and development strategy.In this paper,based on the analysis of economic environment at home and abroad research,first of all,transaction banking model in current research approaches to the development of commercial Banks at home and abroad,narrates the whole paper,the research background and research meaning;And then based on the premise of full text research,the trading bank mode,introduced the concept of transaction banking,from two aspects of domestic and foreign development of transaction banking model,the present situation of carding,the concept of transaction banking,main characteristics,the current widespread international trading bank development model to make a detailed analysis,and transaction banking for part of the domestic commercial bank development strategy of discussion,mainly introduced the strategic development of the Shanghai pudong development bank and construction bank at present.Afterwards,the full-text research object,the domestic commercial bank's public service,was analyzed.The necessity and existing problems of its development were analyzed.After began to blend in trading after the bank concept advantages to promote the development of commercial Banks brought to the business,and then mainly through comparing with foreign mature transaction banking model development analysis,following the introduction of trading Banks controlled all aspects of the advantages given corresponding approaches to commercial Banks with the aid of trading Banks to meet the target schema;Finally,after the previous analysis and research,the paper puts forward relevant Suggestions on the strategy of the domestic commercial Banks in the process of transformation and upgrading of public business.This paper provides relevant theoretical and practical guidance for commercial Banks' business transformation in the context of global transaction bank development.