Research On Optimization Countermeasures For Debt Business Of CCB Anyang Branch

For a long time,debt business is a basic business in many business and products of commercial banks,which plays an important role in the steady operation and long-term development of banks.With the change of the policy of interest rate control by the relevant national authorities in recent years,the marketization of interest rate is gradually taking shape,the competition of responsible business among commercial banks is becoming more and more intense,the business cost is gradually rising,and the profit is shrinking.In addition to the traditional commercial banks,Internet finance has quickly won the favor of a number of customers because of its convenience,rapidity,flexibility,high income and so on.It has cut off part of the market share of the debt business of the traditional commercial banks,resulting in the liabilities of commercial banks.Business liquidity is insufficient,and even some small local commercial banks have tight reserves.At the same time,under the influence of the overall social and economic environment,the bad rate of commercial banks' asset business has increased,which not only can not achieve the expected income,but also will cause principal loss,which has a negative impact on the bank debt business.Through the methods of literature research,field research,data analysis and interview analysis,this paper makes a detailed analysis of the overall composition,development,business cost and peer comparison of the current debt business of CCB Anyang Branch.On the basis of the in-depth study of the present situation,it is found that the debt business composition of CCB Anyang Branch is uneven,and the development rate is slowing down restricting the development of credit business.The problem of increasing the cost of debt business year by year and decreasing the proportion of market share year by year,and improving the business quality and innovation ability,socialized platform business,county debt business market expansion,feedback mechanism and risk from perfecting the debt business management and assessment system,improving the business quality and innovation ability,socialized platform business,county debt business market expansion,feedback mechanism and risk.From the aspects of management and control,this paper puts forward some optimization countermeasures for the debt business of Anyang Branch of CCB in order to promote the steady development of the debt business of the branch.