The Research Of Bank Of Jilin's Development Strategy

The city Commercial bank is produced in special historical period in our country, comparing with the state-owned Commercial bank, it has the young scale, weak anti-risk ability characteristics, however it also has the congenital superiority to serve the small and medium-sized enterprise and city people.The problem how to realize our city Commercial bank's sustainable development under the new situation is suspended at the topic which current urgent needs to solve.Under the Supervisory department and Local government's cooperation and support, during almost ten years, the city Commercial bank increases fund through asset replacement peeling bad assets appraisal of properties and expands the stock and so on to make the transformation to the original urban credit association, establishes gradually conforms to the modern financial industry development request system. In the management idea, each city Commercial bank insisted that"serves the provincial economy, serves the small and medium-sized enterprise, serves the city people""three services"the policy, has made the important contribution for the provincial economy development. The city Commercial bank has obtained the considerable development, mainly displays in the total assets and is always in debt the rate of increment to surpass the banking industry average level; the capital sufficiency of capital level and the non-performing loan rate meet Supervisory department's requirements.The year 2006, is the fifth anniversary when our country joins the WTO, our banking industry is comprehensive opening to the outside world.This is advantageous in improving our country banking capital structure, increaseing the international finance inflow of capital, and advantageous in the absorption modern big banking management and the operation, then in the standard of our country credit and the fund trade behavior on the market, thus in raising our country Banking industry service level, promoting our country Banking industry to move toward international. At the same time, Banking industry's development brings some challenges inevitably for our country. Special aspect is competing for the high quality customer, the outstanding financial talent person and expanding the new service market share, the Chinese Banking industry faced with the Foreign bank steep competition.In view of the fact that the present stage our country Banking industry faced with the big adjustment.Other provinces,the autonomous region and the municipality impel in the region the financial resources conformity to promote the economic development.To promote the Jilin Province economic development well, the supervisors under bureau's and government impetus vigorously the Jilin Provincial city Commercial bank and the urban credit associations'reorganization and transformation, in advance Changchun Commercial bank, the Jilin Commercial bank and the Liaoyuan City Credit association will set up the Jilin Bank Limited liability company, based on this and gradually will absorb the merge of Baishan, Tonghua, Siping, Songyuan 4 separate legal entity qualification urban credit association. The Jilin Provincial government also positively through the capital, the property peeling and the introduction strategy investor, strengthens the Jilin banking capital strength, the perfect company governs, the strengthening internal control and the risk management, impel the Jilin Bank to become have the region characteristic modern Commercial bank.This article mainly studies the Jilin Bank to take as the city Commercial bank under our country Banking industry whole reform advancement background, under national policy's support, adopts what kind of strategy to adapt the market request, according to own circumstances speeds up own development. The article has first analyzed the macro economic environment which, the national policy, the profession competition and the internal operation human resources, the financial resources, the technological resource which the Jilin Bank faces, then utilized the SWOT analytic method, to analyze comparatively Jilin Bank development opportunity and the threat, the superiority and the inferiority, thus promoted the Jilin Bank's market localization, the short-term goal, and the development strategy.Simultaneously,the research has conducted the measures to advance the developmental strategy effectively.Healthy, fast developing Jilin provincial economy is the solid foundation of the Jilin Bank realizing the leap development continually. Depends on the turning point of the country promoting the Northeast old Industrial base, under Local authority's vigorous support of unceasing conformity on province financial resources, Jilin Bank promotes the Jilin economic development and the national income and enhances unceasingly the enterprise value maximization, realizes benefit counterparts' and so on shareholder, and staff benefit maximizations. Therefore, the Jilin Bank's mission must be: To serve the populace, to promote Jilin, the cross-region management modern Commercial bank, realizes the enterprise value maximization during promotion of Jilin economic development.After the Jilin Bank sets up, the original sole area's city firm management scale expands, the operational risk also increases.The high grade, the high efficiency, the high benefit, the low cost modern commercial bank is the Jilin Bank prospect.Through the foothold at small and medium-sized enterprise and the community, advancing service reforming and the property debt structure optimization, guaranting the management legally, to continue to consummate the company management structure, strengthening the risk management and the control, advancing the cross-area development and the going on the market business strategy with steady steps, the Jilin Bank will make into the modern Commercial bank to provide the multi-purpose financial services to the customers.The Jilin Bank short-term goal should be in funding expands the stock and in the introduction strategy investor foundation, perfect company governs unceasingly, achieve the listing standard, and select the time going on the market. In the unceasing conformity province the financial resources and in the impetus Science and technology Bank construction's foundation,The Jilin Bank explores safely to realize the cross-region management,in the full excavation company business of banking's foundation, takes retails the mechanics of banking as the development priorities, realizes strategic reforming, strengthens the internal management unceasingly.In aspects and so on human resources, budgetting finance, information science and technology and operation flow,Jilin Bank establishes the perfect bank internal management mechanism unceasingly.The present stage, the Jilin Bank's strategic choice should be the capital operation strategy, the market development strategy, the business development strategy, the property quality strategy, the crossing-area development strategy, the science and technology strategy, humanist strategy, the strategic alliance and the internationalization strategy.Realizing the capital expansion and the scale rapidly through the capital market enlargement, realizing unevenness development, is the domestic and foreign advanced bank necessary development road. The Jilin Bank will construct study enterprise, develop and foster the talent, promote the staff overall quality, through training for the Jilin Bank to create economy and the energetic benefit, to construct and consummate the enterprise culture, thus make the core competitiveness. Under the reality of own technical strength is insufficient, the Jilin Bank must develop the information technology vigorously by the project outsourcing form. Consolidating the customer, the service and the region market, developing the new market unceasingly, promoting the market share and the market niche with steady steps, which is essential measure to realize the strategic target. The cross-area development is the Jilin Bank realizing the important action which the scale expands. The traditional banking business will still be the Jilin Bank banking system's main body, the Jilin Bank must further consolidate and develop tradition mechanics of banking. To further guard and melt credit risk, improve the credit property quality unceasingly, that is the key point of Jilin Bank management and operation work throughout. For the enhancement competition strength, realizing the atonement on manages aspect and so on region and product competition flaws, the Jilin Bank must carry on the positive exploring strategy alliance. The Jilin Bank must insist that"holding the overall service, the discrete development, the moderate scale"the principle, advances the internationalization with steady steps.