Study On The Improvement Of Harbin Bank Deposit Liabilities

Commercial Banks are special enterprises that operate currency commodities.,Deposit-taking has always been a major source of funding for commercial Banks.The deposit liabilities business is very important in the operation and development of commercial Banks,which is directly related to the economic profit.There are many factors that can affect deposit liabilities business 。 At present,China's economy and even the global economy are entering a downward trend,our country commercial bank facing the reform of the national interest rate policy and the rapid rise of internet finance at the same time.These three mountains have brought Chinese commercial banks great challenges to the absorption of deposits.The recession of the economic environment has caused a huge overstock of money,deposits cannot flow and cannot add value,The total amount of deposits that commercial Banks could absorb was reduced.The pace of interest rate liberalization in China has been further accelerated,Commercial Banks compete fiercely for deposits to save their market share,and at the same time,the rapid developing Internet finance companies have taken a share of the limited deposit market by thei r own advantage.In order to adapt to the current competitive environment,commercial Banks must recognize the problems existing in their own deposit liabilities business,overcome the short board effect,and turn the crisis into opportunities to achieve considerable progress.This article through to the present situation of our country commercial bank deposit liabilities business,combined with the situation of Harbin bank,based on the data collection and analysis,puts forward that the problems of the ba nk of Harbin in the deposit liabilities business mainly include: structure of deposit liabilities needs to be adjusted,the development innovation ability insufficiency,Customer classification is not clear and the marketing model is not diverse.The main reasons for the above problems are analyzed respectively from external and internal reasons.In addition to external economic environment,interest rate liberalization and the rise of emerging Internet financial enterprises,There are many problems in Harbin bank itself.such as big data utilization rate is extremely low,the organization structure are bloated,and the incentive system for employee marketing is obsolete.Therefore,Based on the experience of the interbank,this paper puts forward some countermeasures and supporting measure,in order to help Harbin bank deposit liabilities business development in the future.