Research On The Development Strategy Of Credit Business In Expressway Industry Of A Bank Shijiazhuang Branch

As an important infrastructure,expressway play a crucial role in the overall economic development of the region along the way.Expressway has the characteristics of large investment scale and small overall risk,which is consistent with the focus of bank credit business.According to the 13 th five-year plan for the development of Hebei Province’s comprehensive transportation system,by 2020,Hebei Province will build about 1,000 kilometers national expressways and 2,000 kilometers of provincial expressways.The expressway construction task in Hebei province is very important and urgent,which creates opportunities and space for the development of bank credit business.Based on the basic theories of the credit business,risk control and strategy,this paper expounds the situation of the domestic and Hebei expressway industry,combs the development situation and environment of the credit business of the expressway industry of A Bank Shijiazhuang Branch,analyzes the opportunities and threats in the development of the expressway industry under the new policy environment,and proposes a method that combines the universality of the expressway operation mode and strategic management theory with the particularity of the credit business of the expressway industry of A Bank Shijiazhuang Branch,to analyze the operation mode of the expressway at home and abroad.This paper concludes the development strategy and guarantee measures of the credit business of the expressway industry companies,and puts forward some suggestions for the future development of the credit business for A Bank Shijiazhuang Branch.A Bank Shijiazhuang Branch’s corporate credit business has been ranked among the top three provincial banks in the system for three consecutive years,and its development speed has attracted the attention of the industry in this region.Up to now,there is no research result on the development strategy of A Bank Shijiazhuang Branch’s corporate credit business,not to mention the research results focusing on the corporate credit business in the expressway industry.On the basis of collecting the actual data of the expressway industry and A Bank Shijiazhuang Branch’s credit business,this paper finds itsadvantages and disadvantages needed to be overcame,innovatively puts forward the view that the bank’s corporate credit business is regarded as a platform business and a whole process business,and emphasizes the platform cooperation of deposits,loans,bonds and other products based on corporate credit.According to this kind of platform thinking,the paper puts forward specific safeguard measures,which have certain practical significance and research value.According to the existing literature,most scholars’ research content is the development strategy of single business such as credit card business,investment banking business,or the overall development strategy of a bank,which lacks the research on the countermeasures of emphasizing multi product cooperation based on a certain industry.This paper makes up a part of the blank in this field.