| Commercial bank refers to the corporate entity established in accordance with the law to provide the service of savings,financing,settlement and other services,among which the corporate banking of commercial banks refers to all the financial services provided by commercial banks for enterprises,administrative institutions,social organizations,etc.For commercial banks,their business can be roughly divided into on-balance sheet business and off-balance sheet business.The on-balance sheet business refers to the asset and liability business that can be reflected in the bank’s balance sheet,such as the loan and deposits.The deposits mainly include the demand deposits,time deposits and the structural deposit.According to the form of loans used in social reproduction,it is mainly divided into current fund loan and fixed asset loan;The Off-balance sheet business mainly refers to the business which is not included in the balance sheet but can increase the income of commercial Banks,such as payment and settlement businesses such as remittance,collection,and agency businesses such as securities,insurance,collection and payment,bank acceptance bill,guarantee businesses,etc.Usually this kind of services is also called intermediary services.Corporate banking is still highly valued in the business of commercial banks.In general,the on balance sheet business increases the bank’s interest income,while the off balance sheet business increases the bank’s non-interest income.In the past,under the specific environment of large interest margin,commercial banks could get a lot of income through the interest margin of corporate loans.However,with the development of financial disintermediation and interest rate marketization,the mode of obtaining income through interest margin is constantly challenged.At the same time,commercial banks have encountered various problems in the development of corporate banking.However,with the development of financial disintermediation and interest rate marketization,the mode of obtaining income through interest margin is constantly challenged.With the rapid development since the reform and development,China has accumulated a large number of enterprises,which have the demand for maintaining and increasing the value of their own assets,and there is a great prospect for the banks to develop the corporate business.However,since the financial crisis in 2008,especially since the Sino US trade war in 2018,corporate banking has been at a low level of development.After China’s economy entered the "new normal",the growth of real economy slowed down,at the same time,internet-finance gradually eroded the market share of traditional commercial banks with its advantages of convenient and efficient.The competition among the bank is intensifying,and the traditional development mode of the corporate banking is also beginning to encounter bottlenecks.Based on the research object of A bank ZZJK branch,this paper analyzes the current situation of A bank ZZJK branch ’s corporate banking development,finds out the existing problems,such as the comprehensive ability of corporate banking management department is insufficient,the foundation of corporate customers is weak,the competitiveness of front-line corporate banking personnel is not strong,and the distribution of outlets is unreasonable,and analyzes the causes,such as the construction of corporate management team is not complete,the customer marketing system is not perfect,the performance appraisal system and employee training system are not complete,and the establishment of outlets is not autonomous.Finally,the paper puts forward the countermeasures and suggestions for the transformation of corporate banking,which provides practical development suggestions and guidance for the development of corporate banking of A bank ZZJK branch.At the same time,I hope that through the research of this paper,it can provide reference and theoretical reference for commercial banks to realize the rapid transformation of corporate banking. |
