Study On The Development Of Investment Banking In Zhengzhou Branch Of Guangdong Development Bank

With the continuous development and evolution of China's economy,financial market has entered the new normal economic situation.For commercial banks,the challenges they face are enormous.This paper analyzes the significance and problems faced by banks in developing investment banking under such a background.In the process of investigation and research,literature research,investigation and logical analysis were adopted respectively.Combined with its own experience,this paper analyzes the problems existing in the investment banking department,and puts forward some solutions.The deficiency of this paper is that the establishment of investment banking department is short,and data collection in all aspects may not be in place,which may have certain impact on quantitative analysis.In particular,the interest rate marketization leads to the narrowing of the bank deposit and loan spreads,the gradual decline of the profit of the traditional business model of commercial banks,which makes the banks have to find new profit points,which creates opportunities for the development of investment banks,and the gradual strengthening of financial supervision has greatly hindered the development of the current investment industry.Before the compliance of the business can not be carried out again,the new business research can not keep up,which has caused the homogenization of the market products more and more serious,the competition between the same industry is becoming more and more fierce,the profit is not high business in this strong competition,profitability is once again cut down.The emergence of these problems is not only external,but also internal factors.If the risk control is not strict enough,the incentive measures for the internal staff are not in place,all these require the investment department to take seriously in the future work.In the study of new products,even if we are not able to develop new products in the first time,and can develop new products in other lines,we imitate them and add their own features in imitation,thus forming their own products.And in the era of information development,the relationship between the bank and the customer is no longer the traditional initiative and the passive position.The customer has more freedom and greater initiative when choosing a financial institution for its service.If the branch bank is not able to improve the quality of its own service in the development and give the profit to the customer more.If there are more concessions,it will lose the competition in the market competition.Therefore,the development prospect of the branch investment bank is not very optimistic.In the process of development,we should not only face the competitors to occupy the market,but also manage carefully to prevent the occurrence of irregularities.Finally,the internal management should be strengthened to make the development of the investment bank more smooth.Finally,this paper summarizes the work in the future,clarifies the future work objectives and where to improve.In short,the development of the branch investment bank will be the key department of the whole line of development.The development of its business is also very important in the branch.Therefore,the development of the investment bank can not be taken lightly.