Case Study Of China Merchants Bank's Light-weight Pattern

China has entered a key epoch of economic transformation,and must adjust the economic structure constantly.Meanwhile,disintermediation poses challenges for traditional commercial banks,tighter financial regulation makes bank must pay more attention to risk.Market-oriented interest rate reforming,make the way of relying on interest margin be difficult.The internet finance's developing has very big impact on commercial banks.And on the other hand,it can afford scientific achievements and means for the development of business.The traditional mode of relying on scale expansion and the large capital consumption is increasingly difficult to survive.So the light-weight pattern with a low capital consumption,high efficiency and low cost makes capital and funding is more plentiful than ever,so that both can be flexible to the challenge in the fierce competition in the market,and reduce the risk.The bank also can find the new opportunity to obtain more profits,and it is in line with the policy.This is especially important for commercial banks.Over the years,China Merchants Bank has been constantly innovating and seeking transformation according to the market and economic situation.From the strategy of building a retail bank to the strategy of building a light-weight bank,it has achieved outstanding results and achieved rapid development.China Merchants Bank takes the lead in defining light-weight pattern as the core strategy among joint-stock banks,and its achievements in light-weight banks ranks the first among joint-stock banks.Taking China Merchants Bank,a light-weight bank with an early start and a good development.As the case,this paper makes an in-depth study according to the characteristics of light-weight banks,such as light assets,light income structure and light cost,so as to provide reference for other joint-stock banks to transform into light-weight banks.Therefore,we can select it's relevant indicators with different characteristics,compare with other joint-stock Banks in a horizontal manner,compare the results before and after light-weight pattern in a vertical comparison and then we can comprehensively explore the achievements and experience of the light-weight pattern of China merchants bank through horizontal and vertical comparison.China merchants bank and other 7 banks are selected for horizontal comparison and analysis.The 8 banks have different ways and achievements of light-weight pattern,which can provide reference for the experience and measures in the process of light-weight pattern.After that,compare the results of China merchants bank before and after light-weight pattern in a vertical,we can figure out what role does the light-weight pattern plays in the development and upgrading of China merchants bank,and how to implement light-weight pattern.Finally we can get the effect and characteristics of light-weight pattern of China merchants bank.Finally,the following enlightenment is obtained through the research and analysis: First,the adjustment of asset and liability structure is a key step in the process of lightening.The vigorous development of retail business plays a crucial role in the asset and liability structure of commercial Banks,and in terms of corporate business and inter-bank finance,it is necessary to expand to businesses with less capital consumption.Second,the optimization of income structure and the development of non-interest income are conducive to reducing costs,getting rid of the hindrance of financial disintermediation and adapting to the long-term trend of interest rate liberalization reform.Thirdly,fintech plays an important role in promoting the lightening process,supporting the development of lightening in assets,costs,operations,income structure and other aspects.Fourthly,the lightening of operation management should focus on reducing operation cost and management cost,improving management efficiency,increasing revenue and reducing expenditure,and making full use of existing resources.