Research On C Bank Driving Growth Personal Deposits By Taking Operation Settlement Funds From Corporate Paying To Personals

Deposit is not only the main content of liabilities business to a commercial bank,but also the important support to develop assets business,the important guarantee of earning profit.Accepting'low cost and stable deposits is always the important basic business to a commercial bank.In recent years,deposit market was affected by economy,marketing environment,shifty customer demand etc.Which cause the rivalry of deposit market became more and more intense,increasing the difficulty to gain and stabilize deposit.Besides,the severe supervising makes higher demand to the commercial bank' s behavior of rational and normative deposit.Searching effective method of deposit increased has become an urgent problem of developing assets business to commercial bank.Operation Settlement Funds from Corporates is the important part of daily transaction assets to commercial bank.A great amount of Operation Settlement Funds transfer to personal account,people will deposit money in bank which is low operating costs,such as daily petty cash,investment or financial product except daily consumption and business investment.Taking Operation Settlement Funds from Corporates Paying to Personals provides a new idea for commercial bank to gain low-cost deposit,improve the deposit increased business in a new way.In this thesis,via below effort,the author analyzed the outside and inside manage environment for C Bank Driving Growth Personal Deposits By Taking Operation Settlement Funds from Corporate Paying to Personals.The author studied the domestic and overseas'commercial bank management theory,learned from the successful managing experience of the international advanced commercial bank,took the SWOT analysis and statistic analysis.Then the author not only found out the risk,opportunity,advantage and disadvantage for C bank to develop business,but also analyzed the existing problem and the cause for C bank when managing business.Besides,the author provides some advises to improve business development.First of all,when facing the drastic market competition and the bottleneck of developing business,C bank should take customer resources and the business advantage as the basic of surviving.It should regard below as the major work of deposit business:Improving the assets transfer efficiency between personal and company;exploring potential.Secondly,C bank should highlight the key area and key target customer of business,grasp the key link of assets transfer to enhance the relationship between company financial business and retail financial business.Last but not least,C bank should put accurate marketing into effect base on big data,improve the sophistication management of business procedure,enhancing financial service ability of individuation,diversification and synthesis.According to the investigation on the spot and the conclusion of managing practice of C bank,the modified proposals and safeguard measures in business which this thesis puts forward can develop assets transfer business,and provide reference for promoting the sustainable development of deposit business for C bank.Besides,other commercial banks can draw on the experience of C bank to develop their transition of deposit business.