Research On Interbank Business Development Strategy Of Nanchang Branch Of Industrial Bank Co.,Ltd.

In recent years,China's financial system has been innovating and improving.But with the slowdown in economic development,the reduction of credit business and the increasing trend of capital constraints,commercial banks vigorously develop interbank business driven by the adjustment of interest and asset structure.The interbank business,an integral part of the development of commercial bank and even China's financial system,could enhance the cooperation and development of financial institutions,promote financial business innovation and model improvement.Relying on the brand and business model of the headquarters,the interbank business of Nanchang Branch of Industrial Bank has been ranked forefront of Jiangxi Province,and maintained a steady development.However,there are many problems that cannot be ignored,such as capital liquidity instability,arbitrage phenomenon,the risk of serious infectious problems,based on the development of the interbank business in many banks and other financial institutions.With the supervision and control of China Banking Regulatory Commission and other regulatory departments gradually strengthened,there are a lot of uncertainties in the development of model and direction in the interbank market.Therefore,it is of great significance to the research on the development of Nanchang branch of Industrial Bank.Taking Nanchang Branch of Industrial Bank as the research object,according to the theory of enterprise development,the paper uses PEST,Porter's five-force model,resources,capabilities and core competencies and SWOT method to analyze its macro-industry development environment and its own advantages and disadvantages as well as opportunities and threats.It is trying to explore the sustainable development of the interbank business of the Nanchang Branch of Industrial Bank in the current situation of fierce competition and strong external supervision.Based on the analysis,the optimum development strategy of the interbank business of Nanchang Branch,namely the differentiation strategy,is obtained.The strategic target of the interbank business of Nanchang Branch has been formulated.The differentiation strategy includes marketing differentiation,customer management differentiation,technology differentiation,product differentiation and risk prevention differentiation.Finally,in order to ensure the effectiveness and purpose of the differentiation strategy,the article puts forward the five guarantee means of the implementation of the differentiation strategy: the adjustment of the organizational structure,the construction of the team talent,the standardization of the business process,the perfection of the corporate culture and the prediction of the macro situation.It enhances the Nanchang branch of Industrial Bank of the overall competitiveness and achieves sustainable development and progress in interbank business.