Study Of Countermeasure For Company_Business Development In Bank Of China C Sub-Branch

With the increasing opening up to the outside world, the Chinese Financial institutions will have to face up to even much stronger adversary-the foreign bank in the control of the finance market of the corporate business. Thus it will enhance the competition of this field. The foreign banking institutions in China, enjoying long history, plenty of experience, highly reputation of credit, and strong foundation, will use credit to access and control this market. Based on this idea, the corporate business, which characterized by less risk and high profit, will draw much attention to the foreign bank. One thing is certain: the outcome of the competition is the situation of the re-shuttle of the client market. Because the foreign bank could provide RMB business to the corporate client after two years of China's entry of WTO, how to enhance and enlarge the share of corporate business market within this limited transitional period will become the major subject of our own commercial banks.Corporate business is the mainbody and foundation of the development of banking business, and also the important point of profit growth for the bank, and a potential market for future competition. It is essential and crucial to the sustainable development of the bank. The goal of this text, taking C sub-branch of Bank of China for example, analyzing the existing problems of the banking business, aims at searching for a more feasible and effectual tactics for the development of banking business of C sub-branch.In the first part, the text analyzes the main problems existing in the development of the banking business of C sub-branch. That includes: the restrictions of the social and economic environment make the economic foundation unsteady and unfixed which prevent the more efficient performances of C sub-branch; the unfavorable influence of the social credit environment results in the inadequate administration of credit; the negative influence of the national policy results in the augment of bad loan as the time goes by; the deviation of location of the bank itself in the marketplace; the margin for improvement of the internal management system; the lagging of innovation of financial products;All these above mentioned problems lowered the banking business management level. That includes: They cannot cater to the market because of the single financial product. The procedure of business census and audit is more complicated and trivial. The client evaluation system is not scientific, lack of competitive capacity.In the second part, the author made a deep and thorough analysis on the location of the business of C sub-branch, the different needs of the clients, the innovation system of the financial product, the client manager system and business risks. And then, the author proposes the development strategies of C sub-branch. That includes: Scientific location strategy focusing on goals, Differentializing strategy, Innovation strategy, Risk alarming mechanism.