MBT Outlet Development strategy of joint-stock com

gguyadradash

Development Strategy of Commercial Banks

First, a new pattern of competition in the banking industry on the development of joint-stock commercial banks
1. The advantages of foreign banks will be forced to re-market segmentation. With China's accession to WTO, foreign banks steadily into China's financial market, range from business to space commercial bank in China to start full competition. The Development of China's commercial banks and foreign banks compared to foreign banks has many advantages. First, the scale in the capital, asset quality, foreign banks generally have strong financial strength and a higher level of profitability. Especially with the development of economic globalization, a number of international banks in combination, set off a wave of bank mergers and acquisitions, there has been a number of Moreover, the proportion of non-performing assets of foreign banks is much lower than in the banks, return on capital is far higher than the Chinese-funded banks such as Citigroup, the United States with total assets of 7,000 billion, equivalent to the combined assets of China's state-owned banks. Second, the management system, operation mechanism, developed countries, commercial banks established in the market economy developed, they are in accordance with international practice management, to mixed operation, such as credit, investment or securities business, the use of multiple channels a profit to make up for losses in a particular area. Meanwhile, the current means of information technology in China's commercial banks has lagged behind, it is difficult to meet the market demand, providing customers with timely and personalized service. Third, business development, foreign banks in financial innovation, and create financial instruments, the development of new business and high technology service means always in the leading position in terms of customers personalized service, and has a network of institutions throughout the world system, to achieve the freedom of domestic and international transfer of funds associated line, by virtue of efficient information channels to provide 24-hour global financial market tracking services. This technology, service means the service advantages of modernization and its derivatives on the banks pose a strong challenge. Fourth, foreign banks relatively relaxed cultural environment and incentives conducive to attracting and encouraging talent. Compared with Chinese banks, foreign banks have relatively simple and harmonious interpersonal relationships, with a relatively perfect corporate image and corporate culture. In addition, foreign banks generally put emphasis on education and training system more robust, staff training opportunities to learn more. With foreign banks to these advantages, some of the joint-stock commercial banks to attract quality customers to their own banner. Therefore, the joint-stock commercial banks must make great efforts to research, study the experience of foreign banks, weaknesses, rapid growth in the competition.
2. Operators will face a severe test. From 1 January 2002, China began the formal implementation of the banking sector loan quality management of five classes, the implementation of international standards of prudential accounting system. The quality of commercial bank loans must be five classes of assets identified the degree of risk, full extraction of allowance for doubtful accounts. Inadequate extraction may not be after-tax profit distribution; on the accounting system in accordance with prudent accounting, capital adequacy ratio below 8%, the deadline to take measures to make up the capital. Also asked listed banks to the public announcement required assets and liabilities and other major business information, unlisted joint-stock commercial banks shall disclose information where the service area. Years of deposition of the non-performing assets, plus most commercial banks do not form an effective mechanism for capital replenishment,MBT Outlet, the implementation of the new accounting system, despite the 5-year transition period, but most banks will be significant decline in profitability or a loss, possible insolvency of individual banks. Therefore, the joint-stock commercial banks must take active response measures to address the problems in operation.
3. Increasingly competitive market. After several years of rapid development and accumulation, the competitiveness of commercial banks has been further improved, in the service business of varieties means and have made great progress. Meanwhile, in the face of economic and financial development of the various favorable and unfavorable factors, the national macro economic policy and WTO accession after the policy environment and facing changes in competition,MBT Outlet, making the development of commercial banks to focus on quality, brand and value creating banks, Expand market share of more intense competition and high-quality customers. Actively competing in national key projects, continue the proactive fiscal policy is important to promote measures for the development of our national economy in 2002, the state will increase the intensity of the delivery of key projects, while the key projects and related enterprises to provide financial services to the National technology projects of the loans, commercial banks will also become the focus of competition. At the regional competition, reflected in the increase in economically developed cities, especially large urban intensity of market competition. Many banks have introduced the city's development strategy focused on economic and financial resource-rich cities special support. Competition in the industry, the performance highlights of the industry for the active involvement of the national economy, such as real estate, automotive, high technology, traditional export industries. The client's competition, brand-name quality companies will be the focus of contention. Therefore, the joint-stock commercial banks to play their own advantages in addition to actively participate in the competition, we must also conscientiously sum up experiences, establish and improve the development strategies.
4. Business risk is increasing. From the domestic economic environment, with the advancement and deepening of reform, economic operation mechanism has also undergone a significant change. Structure of market supply and demand is mainly from a seller to a buyer market, the dominant factor in economic growth to a demand constrained by the supply constraints, the economic cycle from planning cycle fluctuations in the business cycle turned. As a fundamental shift in economic operation mechanism, market competition, corporate sales difficulties, large losses of state enterprises, the national economy increased the systemic risk in life. China's economy has entered a major adjustment after the high growth period of slow economic growth, structure and efficiency to be improved, the social average profit margins. This will profoundly affect the development of joint-stock commercial bank's business approach and profitability in the banking sector gradually lose the original business advantages. From the domestic financial environment, with the goal of national macro-control mechanism in place and changes in economic performance since September 1997, China's emergence in the financial aspects of the new changes. Prices due to continuous production of negative growth in its development, economic efficiency and investor confidence in the adverse effects of the financial operation has shown more serious deflation. Deflation, the direct impact of commercial banks is the level of money supply growth slowed down low and the process of financial deepening, which leads to reduction of bank debt business funding sources. Especially for the joint-stock commercial banks, state-owned commercial banks in the credit crunch and the general lack of confidence in the case of business investment, because it derives deposits to reduce the growth in deposit liabilities of the business is facing serious difficulties. At the same time, due to operational difficulties and medium-sized enterprises generally, enterprise reform lag, low efficiency and high debt ratio, the joint-stock commercial banks in the development of the rapid accumulation of non-performing assets rising, the situation is still difficult to change in the short term. The source of funds in joint stock commercial bank deposits accounted for a small, poor stability of funding sources, increasing operational risks.
5. State-owned commercial banks will accelerate the pace of reform. With four state-owned commercial banks,MBT Outlet, adjusted to accelerate the pace of state-owned commercial banks, and dyspepsia in the control of assets, improve asset quality, electronic and financial product innovation, mechanism and efficiency has already begun a series of new initiatives, while for downsizing to improve efficiency, and gradually from the low profitability of organizations out other less developed areas, will enhance the competitiveness of state-owned banks, which put pressure on the joint-stock commercial banks.
6. Shareholding commercial banks has become increasingly apparent weaknesses. As competition continues to expand the scope and modalities, small and medium commercial banks are facing new competitive pressures and difficulties gradually increased. Since the average market share getting smaller and smaller joint-stock commercial banks more and more difficult business development, business focus is limited to the traditional deposit and loan and settlement areas. Subject to historical reasons, the agency network and market reputation, and other constraints, joint-stock commercial banks deposits with limited business development in the market competition is limited. Financial products is still a lack of features, the business continued to show a single, relatively narrow scope of business, financial services, SMEs and not fully close to the individual residents, and the scale advantages of state-owned commercial banks, dot significant advantage compared to a relatively inferior position. At the same time, innovation is not high, the weak capacity to expand the market becoming increasingly prominent, and internal controls be strengthened, due to weak internal control operational risks arising from the phenomenon have occurred. The result of competition will lead to small and medium commercial banks in the profits and the proceeds pay the price.
Second, the correct market positioning is the prerequisite for the development of quality
Any business is only right to get quality market positioning development. Then the joint-stock commercial banks, market orientation should be what, in theoretical circles have had many ideas, the more prominent of the argument is to be into However, the current commercial banks in its development strategy and business model is not clear that this characteristic, this is due to the development of joint-stock commercial banks, the decision process. Joint-stock commercial bank established at the beginning, a time when China's economic transition period, the entire national economy in a special historical period. The rapid development of joint-stock banks, while taking advantage of the efficiency of state-owned banks, service quality is not high and its flexible mechanisms, defects quickly occupy the market, but in simple economic strategies and management of state-owned commercial banks cf mode, basically identical on business development. From the current situation, joint-stock commercial banks choose high-quality large customer is undoubtedly correct, this is not very mature market economy, joint-stock commercial banks under the initial stage of development according to their established needs, is a wise choice. However, with the development of market economy, in advancing the reform of state-owned commercial banks and foreign banks under the impact of joint-stock commercial banks in the market from the existing possibility to obtain a larger share of smaller, customers and banks for their own development, need to be more independent choice partner, joint-stock commercial bank is a large selection of high quality clients the possibility of cooperation will gradually decrease, mainly due to: Because of its great strength is difficult to provide quality customer a lot of financing in the short term, even if they can Financing could also result in substantial concentration of assets to the detriment of risk diversification, thus the intervention by the regulatory authorities, the result is difficult between banks and enterprises for effective cooperation. Especially in the settlement of international settlement on the level or in terms of efficiency is difficult to meet the needs of large high-quality customer, it is difficult to give a big high-quality customer provide timely and effective consultation between business services, the development of enterprises to provide more help. In view of this, I believe that joint-stock commercial banks should develop a comprehensive look at the overall trend in the financial market,Henan clenbuterol _, compare their strengths in this area, taking its own path of development, mainly the following aspects should be noted:
1. Shall occupy the market is gradually shifted to focus on cultivating their own customers
Joint-stock commercial banks to support the development of SMEs is a general trend, or the development of the main road. But for every joint-stock commercial banks to establish their own market positioning, it should analyze specific issues. Joint-stock commercial banks only in conjunction with local economic development environment, the development of financial services space, but also the management level with their own services or partner to set priorities, not Both focus on quality and large enterprises, or focus and high-tech enterprises, and even focus on agricultural development or processing enterprises, while small and medium enterprises to selectively cooperate with the quality. Due to the current process of development of SMEs in China because the market order is not standardized, there are still issues one way or another, credibility is not high, high risk, it can not focus all efforts on small and medium enterprises, and can only explore and nurture quality customers, to fully estimate the risks, and strive to make maximum profits, minimum risk.
I believe that the current joint-stock commercial banks need to develop different strategies of state-owned commercial banks, its main focus on the looting from the market should be gradually transferred to the open market, the small and medium commercial banks should speed up by increasing the level of service to choose independently and enrichment planting clients. Formation in the development and characteristics of their customer base to establish their own stable position in the banking industry.

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