A Study On The Development Of Investment Banking Business Of Hangzhou Bank

In recent years,due to the rapid economic development and increasing investment needs,Chinese commercial banks have swiftly developed the intermediary business from the traditional credit business.Intermediary business brings more business income to our commercial banks,among which investment banking business brings more profits.At the same time,with the strong support of the state for direct financing business,the investment banking business of our commercial banks has also developed rapidly.The proportion of investment business income in the income of commercial banks has been rising,and Hangzhou Bank is no exception.However,China is in the new normal economic situation,and due to the significant changes in the regulatory environment since 2018,the compliance,configurable quota,lending conditions and pricing requirements of key products has changed accordingly.Commercial banks have received more supervision and more and more restrictions on investment banking business.In addition,Hangzhou Bank only acquired the A-type main underwriting qualification in March 2018,so the product advantage of investment banking business of Hangzhou Bank,has been severely weakened.In order to let investment banking business of Hangzhou Bank occupy a larger market share better,at present,it mainly focuses on direct financing products such as debt financing instruments of non-financial enterprises,focusing on the development of short-term financing bills,medium-term bills,ultra-short-term financing bills and other businesses.At the same time,Hangzhou Bank should take advantage of this opportunity to upgrade the main underwriting qualification and create investment business in all aspects,so as to create a new growth point of basic profits,so that investment banking business of Hangzhou Bank can grow rapidly,so as to promote the rapid development of other businesses.Therefore,how to make the investment banking business of Hangzhou Bank occupy a more favorable position in the industry and make the investment banking business of Hangzhou Bank achieve a more substantial development is the core issue to be discussed in this paper.This paper explores the investment banking business of Hangzhou Bank,not only for Hangzhou Bank,because Hangzhou Bank is a member of the majority of small and medium-sized city commercial banks,so the study of the development of investment banking business of Hangzhou Bank plays a key role in the exploration of investment banking business of the vast city commercial banks.And in the literature published today,only a few of them have opinioins on the investment banking business with the background of city commercial banks.Therefore,the research results of this paper also provide an important reference value for the invest,ment banking business development research with this background.From the above research background,it is difficult to explore and study investment banking business of Hangzhou Bank.Based on the analysis of the research purpose and significance of writing,this paper further interprets the development status of investment banking business of Hangzhou Bank,mainly gives the investment banking products,income and risk prevention points of investment banking business of Hangzhou Bank,and further analyses the process,customer classification and marketing strategy of investment banking business of Hangzhou Bank.,deeply analyzing the status of investment banking business of Hangzhou Bank.Then it analyses the internal and external environment of investment banking business of Hangzhou Bank,interprets the existing problems of investment banking business of Hangzhou Bank,and combines the experience of investment banking business of Chinese Merchants Bank,a competitor in the same industry,to find out the positive effect of investment banking business of Chinese Merchants Bank on investment banking business of Hangzhou Bank.Finally,this paper gives three suggestions on the development of investment banking business in Hangzhou,including optimizing the overall customer marketing system,perfecting the organizational system of the franchise team system and establishing a systematic risk prevention system.