| The deepening of the market-oriented interest rate reform is a big challenge for the city commercial banks which have a late start,a weak comprehensive competitiveness and a low risk management ability.The traditional business model of deposit and loan interest income has been unable to adapt to its business development,and the city commercial banks are urgently facing the problem of business transformation.The core issue of this paper is the necessity of the transformation of city commercial banks under the condition of interest rate liberalization,and how to promote the transformation and development of ED banks.Starting from the current situation and existing problems of the overall business development of city commercial banks,this paper discusses the necessity of business transformation.Select the ED bank as the research object,and through the interbank financial institutions and collect business data of nearly 5 years,the analysis of the present situation,the business of the bank business development strategy and preliminary ED transition of the transformation and development of the problem,and from the two aspects of the transition path and safeguard measures for ED bank further business transformation and put forward reasonable suggestions.The following points are found in this study:(1)The city commercial bank business transformation is the interest rate market is the city firm diversification,represent the general trend,the stability of business strategy and break the business development inevitable choice to "bottleneck";(2)ED bank by assets and liabilities of the business restructuring,transformation strategy of loan customer structure and maturity structure transformation,the development of intermediary business and income structure transformation and technology and business channel transformation,the operation efficiency and stability are significantly improved;(3)From the sustainable development point of view,the process of ED bank business transformation still has some problems need to be further improved,such as loan business the single company and personal loan customer structure unreasonable,business investment is not enough,the depth and breadth of active debt products and channels The limitation,the interest rate sensitivity gap greatly intensified the interest rate risk and fewer types of intermediate business innovation degree is low;(4)In order to further promote the ED bank's business transformation,ED bank should choose the appropriate path of business transformation and has a reasonable loan pricing system,scientific risk management and early warning system and the advanced Internet technology and other security measures.The main innovations of this paper are as follows:(1)The selected case study object is novel.Based on my actual work,this paper chooses ED bank as the research object,and studies the commercial banks of small cities in underdeveloped areas,how to combine their own advantages to carry out business transformation under the interest rate liberalization.(2)Interest rate sensitivity analysis.Based on ensuring the overall data available,the bank interest rate sensitive assets and liabilities rate sensitive period divided by calculating the interest rate sensitivity gap and cumulative gap analysis,bring the interest rate market interest rate risk.Implications of this study:The development and deepening of the market-oriented reform of interest rate directly affects the city business management model,profit model and business model of development,city commercial banks must actively accelerate business transformation,constantly optimize the business structure,customer structure adjustment and income structure,promote business innovation.The strategy of business transformation proposed in this paper can provide effective suggestions and reference for city commercial banks to better combine their own advantages,grasp the direction of business development,smooth business transformation and enhance market competitiveness. |
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