An Analysis Of The Implementation Effect Of Comprehensive Operation Strategy Of Ping An Bank

In recent years,with the continuous deepening of China's reform of the interest rate market and the continuous development of the capital market,the emergence of Internet financial models has led to increased financial disinter mediation,and China's commercial banks are facing increasing competition pressure.On the one hand,China's economic development is becoming more stable,and interest rate liberalization has reduced bank spreads,which has seriously affected the bank's traditional deposit and loan business.On the other hand,the rise of the Internet financial model has led to continuous changes in customer demand,and a large amount of funds have flowed into three-party platforms such as Ali pay and We Chat wealth management.To this end,many commercial banks have implemented business transformations and developed comprehensive operating strategies.Ping An Bank is one of the earliest banks in China that tried comprehensive management strategies.Due to its small capital,it can be classified as a small and medium-sized commercial bank.As the first bank to be an insurance bank with a full license for comprehensive operations,Ping An Bank began to implement an integrated business strategy in 2010 and has achieved outstanding results so far.Relying on the big tree of Ping An of China,Ping An Bank leverages its cooperation with other subsidiaries of Ping An Holdings to achieve cross-selling and utilizes existing insurance resources to develop banking business.It is the first in the industry and has advantages that many banks cannot match.This article first sorts out relevant literature on comprehensive management..Secondly,the paper analyzes the ways,internal and external environment,motivation,financial indicators and anti risk ability of Ping An Bank before and after the implementation of the comprehensive operation strategy.Finally,it further analyzes the comprehensive performance appraisal mechanism with the economic return on capital(RAROC)as the core established by Ping An bank itself,and concludes that the comprehensive operation can bring cooperation to Ping An Bank At the same time,comprehensive management also promotes the blind diversification of Ping An Bank,which leads to the unreasonable capital structure and the decline of asset management quality.In view of the deficiencies,this paper puts forward the following suggestions:(1)optimize the asset structure of the bank and enhance the scale economy effect.(2)We will implement business intelligence and minimize operating costs.(3)Give full play to the strategic advantages of internationalization and differentiation(4)develop high value-added business and implement innovative strategy.(5)Strengthen the construction and introduction of talents,and realize the development of enterprises through the development of high and new technology.At the same time,this paper enriches the research cases of the bank's comprehensive management strategy,and provides reference for its commercial banks to implement the comprehensive management.