Research On Qingdao J Bank's Business Strategy Under Macro-prudential Supervision

Since reform and opening-up,China's financial industry has developed rapidly and its financial regulatory policies have been innovated accordingly.After the global financial crisis in 2008,many countries,including China,generally strengthened the supervision of the banking industry.The depth and breadth of financial regulatory reform is very ambitious.Macro-prudential supervision has gradually become the core content of the reform of the contemporary financial regulatory system,which regards the whole banking system as a whole and protects against financial systemic risks through the use of prudential tools.It aims to maintain the stability of the financial system and ensure that financial markets provide normal services to macroeconomic development.In the face of increasingly stringent macro-prudential supervision,How should a commercial bank adjust its management strategy to achieve its sustainable and healthy development? In the context of macro-prudential supervision,it's of great practical and policy significance to study the development environment and characteristics of commercial banks,and to formulate reasonable management strategies.Firstly,this paper expounds the theory of financial supervision and macro-prudential supervision,and on this basis,discusses the development course,development trend and practical situation of financial supervision in China.Combined with the market-oriented interest rate,financial disinter-mediation,internet finance and other factors,the current macro-prudential regulatory environment for the development of China's banking industry is comprehensively analyzed.Further,financial supervision will be increasingly severe prediction in the coming period of time.Then,taking Qingdao J Bank as the research object,this paper makes a systematic analysis of its general situation,as well as the internal and external environment.The advantages,disadvantages,opportunities and threats of Qingdao J Bank is researched by using the SWOT method.Problems such as high industry loan concentration and non-performing loan rate,increased competition within and outside the industry and the Internet finance shock are found and discussed.Furthermore,combined with the current situation of macro-prudential supervision,the article clarifies the objective of Qingdao J Bank to set up a prudent operation philosophy,and a differentiated management mode with its own characteristics.At the same time,combining the characteristics of local economic development,it should formulate appropriate management strategies from the perspectives of business development,risk control,talent training and scientific and technological innovation.Finally,under macro-prudential supervision,this paper puts forward some suggestions on the management strategy of Qingdao J Bank from the aspects of business development,risk control,talent cultivation,scientific and technological innovation.