Research On The Bottleneck And Transformation Direction Of The Management And Development Of Urban Commercial Banks

In recent years,the management of urban commercial banks in China is becoming more and more robust,and its modern banking system reform and risk management have also achieved preliminary results.However,with the reform of the interest rate marketization,the evolution of the social financing structure,the development of the Internet finance,the transformation of the economic structure and the increasing economic pressure,the traditional business model of commercial banks is facing great challenges.How to achieve transformation and development of urban commercial banks has become a research focus.Based on this,this paper takes the Bank of Nanjing as an example to analyze the bottleneck of its business development and the direction of its transformation,focusing on the current situation and development bottlenecks of the urban commercial banks,including the bottleneck of the internal environment change constraints,the bottleneck of business expansion,the bottleneck of the risk management,the strategic positioning and planning,and so on,and to explore the direction of the business transformation of the urban commercial banks,mainly to study the scientific orientation of the strategic positioning.Internet business mode and market system construction.Through literature research,field investigation and other research methods,this paper takes the Nanjing bank as a case,analyzes the problems related to the transformation and development of the Bank of Nanjing,analyzes the bottleneck of the transformation and development of the Bank of Nanjing,and deals with the plans and Strategies of the transformation and development of the Bank of Nanjing,and puts forward the relevant safeguard measures.In particular,the following problems are found in the article:First,the transformation and development of Nanjing bank is imminent.With the deepening of interest rate marketization,the in-depth development of Internet finance,the fierce market competition in Nanjing bank and the transformation of the business direction are the needs of the Nanjing bank to achieve sustainable development.Second,the main bottlenecks in the transformation and development of Nanjing bank are mainly reflected in the deviation of the customer orientation,the imperfect risk control,the poor product system and the shortage of compound management talents.Third,the Bank of Nanjing should realize the transformation and development.On the one hand,it is necessary to further target customers as small and medium enterprises and individual bank customers,to develop a characteristic product system,to realize the development of Internet finance,and to strengthen the introduction of talents,pay attention to risk control,realize the transformation of management mode and ensure the development of transformation.Through the case analysis of the Nanjing bank,this paper makes a certain research on the problems related to the transformation and development of urbancommercial banks in China.It can provide some policy suggestions for Nanjing bank,and also provide some policy suggestions for the transformation and development of urban commercial banks in China,and have a certain research contribution attempt.