Case Study On The Implementation Of Transaction Banking In A Commercial Bank's Innovative Business

After the financial crisis at the end of 2007,domestic commercial banks faced the unfavorable situation of intensified competition among peers,marketization of interest rates,increasing downward pressure on the economy,and growth in non-performing loan ratio.At the same time,commercial banks were also impacted by Internet finance.The speed of business development slowed down and profitability declined.New business development models needed to be found.At the same time,foreign banks such as Citibank and Deutsche Bank quickly returned to the growth trend after the financial crisis by implementing transaction banking.Transaction banking became one of the important sources of profits for foreign banks.Therefore,domestic commercial banks need to study and practice transaction banking.Firstly,this paper systematically expounds the concept,characteristics and business model of trading bank business,puts forward the basic content of trading bank business concept,and combs the development of domestic and foreign trading bank business.It is found that the implementation of trading bank business is of great benefit to the steady growth of commercial bank business.Secondly,through the analysis of the current situation of A sub-branch of a commercial bank,the necessity of implementing the transaction bank business is obtained.Through the analysis of the two failed transaction bank projects of Z group and S group,the existing problems in implementing the specific transaction bank project are found,and the optimization scheme is further proposed.Then,the reliability of the optimization scheme is verified through the successful implementation of the two transaction bank projects of H group and court bankrupt system management platform.Finally,based on the four trading bank projects that have been implemented,this paper puts forward suggestions for commercial banks to develop trading bank business,and further refines and summarizes the methodology of commercial banks to implement trading bank businessThis paper holds that the implementation of transaction banking should first establish a customer-centered core concept,integrate bank resources around customer needs,and speed up the training and reserve of professional talents.Before implementing a specific transaction bank project,the project needs to be evaluated.In the specific scheme design process,products and services should be combined on the basis of customers' real transactions,with trade financing,big data analysis and hosting platforms as the starting points.In the implementation phase of the project,a flexible team should be formed and the assessment mechanism should be improved to ensure that the salary and income of project participants are closely linked to the project results and to prevent members' working hours from being occupied by other businesses.Analyze and summarize the project in a timely manner after it is completed,and hand over the project to the business support department.This article obtains the methodology of implementing transaction bank projects through specific cases of commercial banks implementing transaction bank projects,and provides some references for other commercial banks to implement transaction bank projects.