Research On The Development Strategy Of China Construction Bank Y Branch Under The Background Of Interest Rate Marketization

With the development of China’s economic strength and the transformation of economic system,the marketization of interest rate has become an inevitable trend of the reform and development of the financial industry.The operation of commercial banks in China gradually expanded and widespread,making the marketization of interest rates directly affect the operation and management of commercial banks,this impact has both positive and negative side,only a reasonable interest rate positioning,in order to allow commercial banks to stand firm in the market competition.From the experience at home and abroad,the market space of banking business,which is mainly based on deposit and loan spreads,will become smaller and smaller,and how commercial banks promote the transformation of business innovation has become a hot issue of general concern to industry experts.This paper aims to explore how to solve the operational difficulties and achieve stable,effective and scientific transformation and development under the background of interest rate marketization under the framework of business strategy formulated by the head office of CCB,combined with the economic and financial environment of Yancheng area,Jiangsu Province,and following the principles of adaptability,diversity,coordination and gradualness.Therefore,this topic has certain research and application value.This paper takes Y branch of China Construction Bank as the research object,through putting forward the question,analyzing the question,solving the question mentality method,first unifies the interest rate marketability the related concept,the characteristic,the implementation necessity and the significance and so on has carried on the analysis to the development present situation of Y branch of China Construction Bank,then has analyzed the interest rate marketability to the influence of Y branch and should the strategy choice.Finally,it puts forward the direction and strategic measures of management innovation transformation.This paper is divided into six chapters in structure.Among them,the first chapter is the introduction;Chapter 2 is the summary of related concepts and theories of interest rate marketization;The third chapter is the development status of China Construction Bank Y branch and the background of interest rate marketization;Chapter 4 is the competition analysis and strategy choice of China Construction Bank Y branch in the interest rate marketization;The fifth chapter is the strategies and measures of China Construction Bank Y Branch to deal with the marketization of interest rates;Chapter 6 is the conclusion and prospect.In order to actively respond to the marketization of interest rates,seize the opportunity of transformation and development,enhance the competitiveness of CCB Y Branch in Yancheng,Jiangsu Province,and become the most competitive and profitable bank in the region.This paper uses the experience of advanced international commercial banks and regional reality for reference,and proposes to seek business transformation to improve the income of intermediary business;Bigger and stronger strategic business to enhance profitability;Actively innovating products and services to form competitive advantages;Establishing reasonable pricing mechanism to maximize revenue;Adjusting the structure of assets and liabilities to promote sustainable development;To establish and improve the interest rate risk management-centered management model to promote healthy development and other strategic measures and suggestions,I hope to have a direct guiding significance for the Y branch of China Construction Bank,and also hope to have a reference for the financial industry in Yancheng area of Jiangsu Province on how to deal with the marketization of interest rates.