Analysis On Competitive Strategy Of M Bank Bill Business

With the entry of China into the economic growth shift period,the structural adjustment of the pain period,pre-stimulus policy digestion period,"three superimposed"a new stage,the development of the banking sector also entered the end of the growth of bank assets and high growth rate of non-performing rate,Call for resource allocation adjustments.As an important part of the development of commercial banking business,the paper has become an important part of the development of commercial banking business.After the stage of the 80's exploration,the system construction stage of the 1990s and the rapid development stage of the 21st century,the commercial bank bill business is becoming more and more mature.And even play a pivotal role in the overall financial market.Since 2014,with the financial disintermediation and interest rate market-oriented process continues to advance,the bill market surging,the Internet with bill innovation products flourishing,bill intermediary everywhere,bill market transactions increased significantly,commercial bills issued for three consecutive years Breaking the 20 trillion yuan mark,while the bill assets in the proportion of commercial credit assets increased year by year,there are indications that the bill business in the commercial bank's many businesses play an increasingly important role.In a fast-growing bill market,the M-bank bill business faces a relatively small scale of credit,a relatively high capital cost and a single profitability model.In the face of historical opportunities,M bank bills business need to be effective development of new ideas.This chapter is divided into six chapters:The first chapter mainly introduces the research background and significance of this paper,and determines the research theory and method.The second chapter introduces the development of bill business of commercial banks,based on PEST analysis method and Michael Porter The third chapter introduces the M bank and the M bank bill business,and carries on the SWOT analysis on the basis of the internal environment of the M bank bill business on the basis of the external environment analysis of the M bank bill business;the second is the analysis of the external environment of the M bank bill business;According to the results of the external environment and internal environment of M bank bill business,we choose the competitive strategy of M bank bill business,and then design the competitive strategy plan which conforms to M bank bill business.The fifth chapter is aimed at M bank bill business competition strategy The implementation and protection of the relevant recommendations;Chapter VI is the conclusion and prospects of this paper,summed up the full text of the research results.