Research On Opration Strategy Of T Bank

With deepening reform of China's financial system and prosperity development of Internet finance,the traditional development mode of commercial banks is unsustainable.The target market and customer structure of the banking industry gradually turned to small and medium sized enterprises,which are exactly where the traditional advantage of city commercial banks in China's financial system lies and which have become the high ground in competition among all banking institutions.T Bank,as a rising star of the city commercial banks,inevitably faces the challenge of increasing competition.So,the study of its operational strategy is of great significance.Based on the combination of theory and practice,and with utilization of methods such as data analysis,interview survey,contrastive analysis,literature review,empirical analysis,this paper analyzes the challenges faced by Bank T under the background of current macro-economy through the combined use of chart analysis and statistical analysis,and studies the operation strategies and guarantee measures which can be adopted by Bank T,from the aspects of the basic situation,historical development,operating philosophy,risk management,operation mode and operation efficiency of Bank T.This paper analyzes the problems with data support,and analyzes the solutions.T Bank is currently facing high operating costs,single income structure,uneven development of institutions and other issues.Adhere to small Micro-enterprise market positioning as the basis,and adhere to the differentiated business and the characteristics of business as a prerequisite,the writer expects T Bank to improve operational efficiency,to enhance the level of risk management,to appropriate expand business arer in order to get customers,to cultivate customers and to improve the ability to resist risks.Finally,writer provides some suggestions on the construction of the safeguard measures of T Bank's implementation of operational strategy.It is hoped that T Bank will provide systematic guarantee in corporate governance,innovation management,operation system,human resources and information technology.