Research On The Business Enhancement Plan Of "Youqitong" Of Bank Of Kunlun Xi'an Branch

“YQT” is a superior credit product launched by Kunlun Bank under the background of the combination of industry and finance."YQT" business refers to the kunlun bank for its shareholders CNPC(as the "core enterprise")provided upstream of a comprehensive financial service plan,around the core enterprise to the customer's business flow,logistics,cash flow,information flow control,to control risk,and used to satisfy the upstream oilfield service companies in the process of production and business operation needs financing services.After years of development,Xi'an Branch of Kunlun Bank has accounted for half of its head office's business scale since it launched the "YQT" business in 2012,which proves the correctness of the implementation of the development strategy of combining industry with finance.However,with the passage of time,many problems and bottlenecks in the development of the business have also been exposed.The core problem is that the growth rate of the business scale of “YQT” of Xi'an Branch of Kunlun Bank is low and continues to slow down.In view of this problem,the paper makes a regression analysis of the factors affecting the growth rate of the business scale of “YQT”.The empirical results show that the factors selected in the paper have different degrees of impact on the business development of “YQT”.Around these factors,the paper designs the business promotion scheme of “YQT” of Xi'an Branch of Kunlun Bank from five aspects,including: optimizing interest rate pricing scheme,reducing non-performing loan rate scheme,increasing research investment scheme,expanding the number of customers scheme,and improving human efficiency scheme.At the same time,according to the promotion plan,the paper formulates the steps of business promotion,and according to the current situation of Xi'an Branch of Kunlun Bank,it analyses the safeguard measures of business promotion plan.It is hoped that the research in this paper can provide some help for the sustained,rapid and healthy development of “YQT” business of Xi'an Branch of Kunlun Bank,and also provide reference basis and empirical analysis case for Kunlun Bank to carry out the supply chain finance of the combination of industry and finance.