Development Strategy And Problems On International Business Of Harbin Commercial Bank

With closing to the limited time, at which the financial interest will open to the world, the financial market will open widely to foreign capital in our country. On the third level of domestic commercial bank, most city commercial banks will face flinty challenge. At the start, the operation scale of city commercial bank is limited within the special city, and its service object is the client in this city. As one of the member of city commercial banks, Harbin commercial bank (HCB) also exist the disadvantage over mentioned. After fast developing in several years, it exposes some disadvantage, such as carelessness and the limited return resource.This article will start with the problem in HCB's expanding international business, mainly including the service scale small, the management scope narrow, technical method backwardness, well-knownness low, the personnel quality waits improvement, etc. Next, the article will analysis the reason, mainly including the region economical extroversion degree low, the international service start is later, the bank scale small, the effective international marketing mechanism not yet established, etc. Finally, the article will search the solution, mainly including establishes the foreign currency integration development pattern, the establishment international business inspection drive system, the long-term comprehensive training mechanism, the structure effective international business information system, the perfect organizational structure and the reasonable personnel resource. This article will try to give suggestion for expanding international business. At the same time, it is hoped to supply some idea for the other city commercial banks which face the same problem as HCB.