Research On The Development Strategy Of J Bank's Asset Management Business

Under the influence of interest rate liberalization,scientific and technological progress and other factors,the interest rate spread between deposit and loan of commercial Banks is gradually narrowed,the profit declines are obvious,the traditional business model is difficult to maintain,and the operation transformation is imperative.China’s large Joint-stock commercial Banks are exploring different business models and seeking new profit sources.Asset management business has the characteristics of light capital,intermediate business income and low threshold,which exactly meets the demand.In the past five years,it has been valued by the whole industry,and the scale of asset management business of China’s commercial Banks shows explosive growth.This paper takes the heilongJiang branch of bank J as the research obJect and conducts an in-depth study on the bank’s asset management business by applying relevant theories.By analyzing the current situation of the development of J bank’s asset management business,using the Boston matrix analysis method to analyzes J bank’s asset management business,will analyze the results as a basis for the development strategy in this paper,combined with industry trends,etc,and rebuild the J bank’s asset management business development strategy and development strategy of security measures.This paper reorganizes and formulates the development strategy of asset management business of bank J,and proposes specific operational Suggestions for the business development,it also hopes to provide reference for other small and medium-sized commercial Banks in China to develop the asset management business.