Research On Business Transformation Of China Citic Bank Shijiazhuang Branch

With the deepening of domestic financial reform,the rapid development of fin tech,the further advance of interest rate liberalization,and the intensified trend of financial disinter mediation,the traditional banking sector is facing more and more challenges.The transformation of the retail business in the banking industry has already started.At present,the transformation direction in line with the national conditions of China's banking industry has also been found.A good example is the increasing proportion of retail business in the banking business year by year.As a major source of income for the banking industry,corporate business has been faced with the situation of sluggish growth of asset scale,and even continuous decline in key indicators in recent years.There is no consensus in the industry on how to develop corporate business to cope with the current objective operating environment and the direction of transformation.China CITIC Bank Shijiazhuang branch is a joint-stock commercial bank operating in Hebe province for nearly 20 years.In recent years,with the transformation and upgrading of the national economic structure,the gradual liberalization of the license of private Banks,and the adjustment of industrial policies in Hebe province,the traditional profit model of China CITIC Bank Shijiazhuang branch,which mainly relies on the expansion of asset scale to increase revenue,has been challenged.The growth of various indicators of the company's business has been weak.The dissertation adopts SWOT analysis method,standing in the perspective of Hebe as big local joint-stock commercial bank.The corporate business development environment of China CITIC Bank Shijiazhuang branch is analyzed in depth,from keeping the core advantage,make up for the development of disadvantage,explore business opportunities and avoid threats to the development of ideas.This paper puts forward the feasible of the company's business transformation path from four aspects as the external market positioning,the internal linkage,personnel management,risk control.