| The financial industry is one of the key branches of our national economy.The banking industry plays a dual role in the whole financing industry:a capital supply party and a capital demand party.Recent years have witnessed huge changes in the banking industry due to the continuous promotion of financial reforms in China.Since 2016,China's banking industry has been confronted with domestic and overseas challenges,such as subsequent strict supervisions,continuously narrowing interest margins and continuous promotions of market-oriented pricing,all of which pose serious challenges to traditional banking businesses and profitable modes.Since 2017,risk prevention has become an important mainline passing through the banking industry development.For example,businesses among financial agencies are reduced;financial planning scales are reduced;business outside balance sheets are also reduced;China Banking Regulatory Commission issues sky-high tickets to govern disorderly market phenomena.Although more and more supervision policies are issued in 2018,the banking industry still adopts the economic mainline of deleveraging and returning to origins to serve the real economy.With relatively smaller capital scales,backward developments and certain geographic features,rural and urban commercial banks are confronted with more prominent supervision and existence pressures.By analyzing financial performance,policies and strategies of the Chongqing Rural Commercial Bank and the Bank of Nanjing in the past five years,this paper studies common grounds and differences existing in their developments during recent years and proposes explorations of and suggestions for their financial strategies.This paper consists of nine chapters.Chapter ? is a research overview,including a research background&significance,main problems researched&corresponding significance and research ideas&analysis frameworks.Chapter ? makes an analysis of macro-environment and the banking industry.The influence of the macro-economy on the financial industry is derived from the status quo analysis of China's macro-economy.The development trend of domestic and global banking industries are further analyzed in order to forecast the future development of the banking industry.Chapter ? makes a basic introduction to the two banks.A performance comparison of the two banks on the capital market is made according to brief descriptions of equity structures,shareholder backgrounds,basic tenets and development processes.Main financial indicators of the two banks are finally introduced.Chapter ? and ? make a three-dimensional analysis of financial statements of the two banks and a comparative analysis of financial indicators of the two banks.Chapter ? makes a comparative analysis of major supervision indicators of the two banks,such as risk levels,migrations and resistances.Chapter ? makes a CAMEL analysis of the two banks.Chapter ? proposes appropriate suggestions to the two banks on liability policies,dividend policies,operation capital policies and investment policies through a financial matrix analysis.Chapter ? refers to main conclusions and management suggestions.Suggestions are proposed to the management levels of the two banks on the basis of the summary of mentioned-above analyses.Based on analyses above,the author finds that the financial conditions of the two banks generally demonstrate a good and healthy momentum.The two banks have respective advantages and disadvantages.On the one hand,Chongqing Rural Commercial Bank demonstrates good economic profits and a higher provision coverage rate.Its core competitiveness lies in a high-interest rate of return.However,its operation costs are relatively higher.On the other hand,the Bank of Nanjing owns a strong unit-asset pricing capacity and a strong capability of creating a rate of return on service charges.Its operation cost has absolute advantages against that of the Chongqing Rural Commercial Bank.However,both of the two banks should pay attention to asset qualities,controlling the speed of expansion,and enrich the main profit means,in order to realize steady development. |
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