The Development Rule Of Bill Discount Service In Harbin Commercial Bank

Recently,note market plays more and more important role in the currency market.As the main form of our country's note operation,note discounting not only improves the proportion of assets and debts of commercial banks,but also enhances the power of earning profits.The change of economics environment and competition rules,the adjustment and consummating of supervising policies and the increasing drastic competitions bring on several new instances and new problems.The bill discounting business of Harbin Commercial Bank is facing the huge challenges.It desiderates to find a cut-in point of the development of the bill discounting business to adapt the competition in the future,when facing the continuously changes of the exterior environment.Firstly,the basic circumstance of the bill discounting center of Harbin Commercial Bank is introduced in this paper,at the same time the development of current bill discounting business and the development programming of the future three years are objectively stated.Meanwhile the internal management problems are also pointed out.Secondly,the business environment and self-resources and conditions of Harbin Commercial Bank are analyzed deeply and the advantage and disadvantage of the development in the bill discounting business are summed up from the macroscopic view.Combining with the evaluation of the development programming of the bill discounting business.The ways of strengthening the bill discounting business are further elaborated in order to promote the core competence of the bill discounting business completely and try to stand in the leading position in the competition,from the aspects of inner-control,the mechanism of encouragement, marketing, service, innovation, the brand construction and personnel training,which the future development relies on.,and standing at the developing point of view,the corresponding strategies are put forward.