Research Of Bond Underwriting Business Development Of J Bank Suzhou Branch

With the speeding up of the interest rate marketization,the vigorous development of the Internet financial and restricted by various regulatory index,the profit model of China's commercial Banks rely on the traditional deposit and loan spreads is more and more unsustainable and needs to develop all kinds of innovative business.Bond underwriting business as a standard investment banking,whether to change its business model for Chinese commercial Banks,optimize the structure of the business,or for the enterprises to improve the financing structure and reduce the cost of financing has positive significance.To give full play to the role of the bond underwriting business is undoubtedly a strategic choice for commercial banks to deepen the comprehensive service capability.In our country,the bond market has made great progress after decades of development,which has provided a multi-channel financing way for China's non-financial enterprises.However,as one of the emerging investment banking business of commercial Banks in China,the bond underwriting business also has some problems,such as the outdated concept of corporate financing,the less variety of bonds and the lag of risk management.The demand of non-financial enterprises for direct financing through the bond market cannot be fully met,and the bond market cannot fully play the role of sharing financial risks.This paper based on J Bank Suzhou branch as the research object,combining the relevant theory of financial management,according to the financial market in Suzhou area,makes a deep study of the current situation of the bond underwriting business of J Bank Suzhou branch.Through field investigations,this paper found existing questions of bond underwriting business of J Bank Suzhou branch such as business development is not sufficient,product structure is single,personnel shortages,risk management is weak,and analyses the causes of these problems,at last this paper puts forward some countermeasures and suggestions for bond underwriting business development of J Bank Suzhou branch such as strengthen customer marketing,strengthen product utilization,improve the internal support,also has reference significance to the development of bond underwriting business of similar commercial banks.