Transformation Of Commercial Banks Under The New Situation

Commercial bank management transformation theory is not a new topic, but, in the current our country commercial bank management practice, especially after the global financial crisis, bring regulatory environment and business environment changes, makes commercial bank management transformation still is a very important content, and it is a very urgent question. Therefore, the research has important theoretical and practical significance.This paper expounds six chapters, the first chapter is an introduction of this paper, this paper expounds the background and significance of both at home and abroad, the current situation and the developing trend. The second chapter presents capital constraints and commercial bank management transformation in the paper. Chapter3shows the new situation of commercial bank and the transition direction. This chapter4shows transformation strategy and measures under the new situation of the commercial bank. Chapter5combined with commercial bank management practice finally, through to the domestic economic capital management, the pioneer of China construction bank head office of this case, to the theory of economic capital management and structural change in the modern commercial bank management is the only way of transformation. The sixth chapter presents the study conclusion and the future research direction.After the financial crisis, the commercial Banks face at home and abroad and the operating environments has changed a lot, and at the same time, the regulatory environment has changed greatly. Domestic commercial Banks in the face of shareholders, supervision, and increasingly severe market restraint at the same time, after the financial crisis facing influence and lessons, domestic economy structure adjustment, its own profit single structure and take off the media and the financial markets financial deepening brings a series of challenges. How to deal with this a series of challenges, strengthen management transformation is imminent deal with the road, the advanced foreign commercial Banks in operation in the transformation of experience, good economic capital through their management capacity and reasonable management structure makes it a great progress has been made in business development. The business bank of our country, how to realize the transformation of business, must want to have a clear direction, at present, to improve the utilization efficiency of the capital market, stable growth, increasing the service ability, strengthen risk control ability, promote innovation consciousness is certainly the only way of commercial bank management transformation. Combining with the commercial bank management practice, this paper expounds the business transformation in how to through the economic capital management, FTP principles are the allocation of resources, the reasonable control risk several aspects to strengthen internal management and optimizing the structure of business. Finally, this article through to the domestic economic capital management, the forerunner of the China construction bank of this case, to the theory of economic capital management and structural change in the modern commercial bank management is the only way of transformation.