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Transformation of traditional business of commercial Banks

2019-01-29 来源: 51due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- Transformation of traditional business of commercial Banks,供大家参考学习,这篇论文讨论了商业银行传统业务的转型。深受互联网影响的今天,大部分人都通过网络平台进行社交,商业银行应该把握这一契机,借鉴互联网金融的发展模式,调整经营策略。商业银行和互联网技术融合后,银行零售业务逐渐显现出互联网化趋势,出现了网上银行,提供更方便、快捷、有效的金融服务。同时,网络银行通过大数据技术可以收集并分析客户的偏好和行为信息,使银行更精确地预测客户行为并针对性地制定营销策略和实施风险控制。

Transformation of traditional business,商业银行传统业务的转型,essay代写,paper代写,作业代写

With the completion of China's interest rate liberalization reform, the capital market has been expanding, foreign Banks have been pouring in, and the financial market has undergone various changes. Commercial Banks are facing increasingly fierce market competition. Although China's commercial Banks have made remarkable progress in institutional reform, the traditional business model, which is still the main body of Banks, has become increasingly unsuitable for the current market environment. The new market environment puts forward new requirements for the old way of operation.

With the deepening of financial globalization, the international banking industry has become a strong rival to domestic Banks through the rapid expansion of its business. International Banks have obvious advantages in business models and innovative services, while domestic commercial Banks, which still focus on traditional businesses, are losing their competitive advantages step by step.

At the same time, interest rate liberalization has led to the continuous reduction of interest margin income of commercial Banks, and the emergence and prosperity of financial disintermediation and Internet finance have caused a huge impact on the traditional credit business. Based on the traditional profit model of deposit and loan spread, the profit growth of China's commercial Banks can only be realized by expanding scale, while blind expansion leads to unreasonable capital structure and restricts the development of Banks. Although the traditional business model determines the single profit model of China's commercial Banks, it also means that China's commercial Banks have a lot of room for development in business transformation, innovation and change of profit model.

Interest rate liberalization will change the whole market environment faced by commercial Banks, and the changing market environment will bring huge challenges to the operation of commercial Banks. As far as most countries and regions are concerned, interest rate liberalization will lead to a sharp reduction of deposit and loan spreads, weaken the profitability of commercial Banks based on traditional business models, and cause a sharp decline in bank profits, thus causing a huge impact on Banks. My country is no exception to this.

The irregular fluctuation of interest rate leads to the irregular fluctuation of income, which to some extent increases the difficulty of liquidity risk management for commercial Banks. Interest rate risk requires Banks to be more sensitive to and more accurate in predicting interest rate fluctuations.

"Disintermediation" means "taking off the intermediary", and "financial disintermediation" means the "disintermediation" of capital financing, namely direct financing. With the gradual relaxation of economic marketization and financial supervision, financial disintermediation is an inevitable global trend of market development.

In recent years, with the rapid development of the direct financing market, the phenomenon of financial disintermediation in China has spread. The role of Banks as primary financial intermediaries is declining, and this trend will become more pronounced in the near future. At the same time, financial disintermediation leads to the loss of bank deposit and loan customers, forcing Banks to actively raise deposit interest rate and lower loan interest rate to attract customers, which increases the operating cost of Banks and reduces the spread income.

The emerging Internet finance, with a new business model, impacts and changes the traditional business mode of commercial Banks. First, it pushed bank payments to the margins. Take the third-party payment platforms such as alipay as an example, the payment and settlement functions of commercial Banks are almost completely abandoned by the market. Secondly, the demand interest rate of Internet finance attracts most individuals. In a short period, funds flow to Internet finance in a large scale, and demand deposits in Banks decrease abruptly, which also promotes the interest rate marketization in China to a certain extent. Finally, although the current lending behavior of Internet finance is mainly composed of personal consumer credit, with its own development, the customers it has in the future will be cross-covered with those of the traditional banking industry.

As far as enterprises are concerned, their business scope is expanding, cross-border enterprises are constantly emerging, funds are being used more and more frequently, and staff benefits are being paid more and more attention. Therefore, Banks are required to provide corresponding cash management services and enterprise pension services. On the individual side, income levels are rising, personal assets are becoming more substantial, and the need for financial services extends to wealth management, private banking, etc. However, at the present stage, the main business of China's commercial Banks is still deposit and loan business, and the main profit still depends on deposit and loan spread. The operation mode of Banks lags behind the change of customer demand, so that more customer groups choose to invest directly in the financial market or other non-bank institutions.

As the investment and financing functions of commercial Banks become increasingly market-oriented, the status of traditional businesses gradually weakens, and commercial Banks become important participants in the market. First of all, commercial Banks should recognize the importance of intermediary business, plan suitable development plans according to their own conditions, stabilize traditional intermediary business, develop new intermediary business and develop key intermediary business, and not blindly follow the flow. To change the profit structure and develop both traditional and intermediate businesses simultaneously, we need to focus on both. Secondly, financial innovation should be promoted to meet customers' needs and adapt to market changes through business and product innovation. Pay attention to the training of employees, innovate products based on the needs of customers, provide innovative services centering on customers, integrate marketing into business innovation, and establish innovative links between Banks and customers. At the same time, the pricing management should be strengthened. Reasonable charging standard can improve the price competitiveness of Banks. Finally, improve the internal management mechanism of intermediary business and strengthen risk management. As the key development object of commercial Banks' transformation business, intermediary business is difficult to control its operational risks. Effective internal management and risk warning of intermediary business is an important guarantee for the development of intermediary business.

Today, influenced by the Internet, most people use online platforms to socialize. Commercial Banks should seize this opportunity to learn from the development mode of Internet finance and adjust their business strategies. After the integration of commercial Banks and Internet technology, the retail business of Banks gradually shows the trend of Internet, and the emergence of online Banks provides more convenient, fast and effective financial services. For example, online banking, customers through the Internet to quickly and easily account information inquiries, financial advice, and so on, do not have to be in the bank between physical branches. Another example is mobile phone banking, where mobile phone payment almost covers people's basic necessities of life and has basically achieved zero banknotes in big cities. If mobile phone payment and personal consumption loan can be completed through mobile phone banking, it will undoubtedly greatly expand the business channels of Banks. At the same time, network Banks can collect and analyze customer preference and behavior information through big data technology, so that Banks can more accurately predict customer behavior and make targeted marketing strategies and implement risk control. Although the Internet finance bank has created the enormous competitive pressure, but also has brought the new pattern. Therefore, commercial Banks should attach great importance to Internet finance, make use of Internet and mobile network technology, and conduct business innovation adapted to mobile terminals on the basis of Internet finance.

The international commercial Banks are coming with a vengeance, and the degree of internationalization of China's commercial Banks is far behind that of the world. For example, citigroup, HSBC and other internationally renowned large Banks, their overseas assets usually account for more than 50% of the total assets, while for bank of China, which has a high degree of internationalization in China, it pointed out in 2016 that the total assets of other countries only accounted for 9.34% of the total assets of the group. The comparison goes without saying. In the context of economic globalization, expanding international financial business is a necessary choice for commercial Banks to promote their own development. In terms of business, the company will further improve the construction of cross-border financing products and services, help Chinese enterprises to "go global", support overseas enterprises to "go global", strengthen cooperation with international financial institutions and improve international service level. In terms of personal business, we can provide services for overseas study, work and other customers, such as cross-border payment business, and strengthen the cooperation with overseas third-party institutions. "Learn from foreigners to control foreigners". When expanding international financial business, we should learn the advantages of international big Banks, analyze our own situation and choose the right development path. Seek improvement in stability

The financial market is complex, commercial Banks are involved in it, and the risks they face are not easy to control. In order to remain invincible in the market, Banks should have a clear understanding of risk forms, formulate and implement various risk prevention and control measures, and resolutely prevent and curb the occurrence of risk events. In terms of credit risk management, we should closely follow up the financial situation and enhance the initiative of risk management. Specifically, we can strengthen the collection of non-performing assets and strengthen the risk management of the industry, such as regularly issuing risk analysis reports of various industries. In terms of market risk management, timely measures should be taken to improve the flexibility of market risk management according to the changes of market environment, business development and control requirements. Specifically, it can enrich risk measurement tools and pay close attention to interest rate, exchange rate and price fluctuations. In terms of liquidity risk management, it is necessary to establish and improve the liquidity risk management system and make the liquidity risk management more scientific. Specifically, the liquidity risk limit can be re-examined regularly, the first-level preparation management and the second-level preparation management should be emphasized, and the early-warning system of liquidity risk should be further improved by using static indicator method and dynamic indicator method, etc., so as to seek benefits at low risks as much as possible.

Under the new normal, the comprehensive effect of various factors makes the banking industry face more and more fierce competition, and the transformation of traditional business of China's commercial Banks is extremely urgent. To sum up, China's commercial Banks should promote the transformation of traditional businesses and change traditional business philosophy, take a series of reasonable measures to improve market competitiveness, and at the same time take risk prevention and control measures to keep the bottom line.

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