Study On Development Srategy Of National Joint Stock Commercial Banks In The Post-crisis Era

National joint stock commercial bank will faced a series of important changes withthe external environment and regulatory policy after help China through internationalfinancial crisis with high credit supply: changing in the model of economicdevelopment, the readjustment of industrial structure, financial to take off the mediatrend of rising and the strengthening of the capital constraints. And facing to globalfinancial impact from a new round of the European debt crisis, National joint stockcommercial bank is responsible for support economic rejuvenation, structure adjustmentand the expansion of domestic demand. At the same time, it also takes a review of theindustry itself, the burden of reform and development.The complex economic and financial situation brought serious challenges tonational joint stock commercial bank's business. The first, with economic growthdownward pressure on the increase, the interest rate marketization acceleration, Thenational joint stock commercial Banks facing a new test of the ability to change, andbusiness model face more pressure of change and transformation. The second, with thesteady monetary policy implementation continued, the supply of credit will still havecontrol, and capital market interest rates will restrain capital asset returns of theascension, National joint stock commercial Banks facing a new test while sustain fasterdevelopment momentum, and brings pressure on business development and incomeascension. The third, Real estate for regulation, cleaning government financing platform,foreign trade growth is slowing and other fields exist potential risks, risk managementfacing a new test that many kinds of risks get superposition, Will make the nationaljoint stock commercial Banks face bigger risk control pressure. The fourth, in theexternal situation is complicated, economic structure adjustment and transformation forbackground, the credit to the key field is difficult, so the fine management ability facinga new test.This paper mainly divided into seven chapters: The first chapter, Introduction. Thesecond chapter, The theory introduction. The third chapter, National joint stockcommercial bank historical evolution and the present situation of development. Thefourth chapter, Commercial bank comparative study. The fifth chapter, In the post-crisisera, national joint stock commercial bank strategy transformation reason analysis. Thesixth chapter, national joint stock commercial bank development strategy building. Theseventh chapter, Conclusion.