Research On The Development Issues And Countermeasurs Of The Bank Of Jiiin

City commercial Banks as the product of China’s financial system reform, in underthe action of historical reasons that lead to the start since the establishment of the manyproblems, including management congenital deficiency, in small scale, the quality ofthe assets is bad, the ability to resist risks such as weak, make its development andexpansion suffered serious constraints. The people’s bank, the banking regulatorycommission and regulators to solve the problem of northeast China city commercialbank are united effective guidance, make its overall risk prevention capacity wasobviously improved, financial situation also have the fundamental change for the better,the profit level remarkable ascension, and city commercial bank itself is also constantlyexplore their own reform the development of new roads, and gradually trying to crossarea to business, by December31,2008, in the northeast of city commercial bankcapital adequacy ratio of all standard, in business variety innovation, management modeand concept also it had significant improvement, asset scale expanding graduallyimprove the quality of the assets, improve profitability. This shows that the Chinesecity commercial bank after the reform development has made notable progress, hasdeveloped for city in the financial system a vigorous development strength, and supportthe development of national economy of the important strength, its survival anddevelopment to adapt to the needs of the time.Bank of Jilin as the top of the city commercial bank in the northeast area. Afterfour years of unremitting efforts, Jilin Bank asset size and profitability has been amongthe forefront of National City Commercial value of the company and brand influencedramatically.But along with the financial system of the deepening of the reform of thebanking industry and opening up, the northeast area city commercial Banks are facingfierce competition situation. Northeast China city commercial bank though numbernumerous, but the overall size of the small, credit level is low, risk prevention capacityis generally weak, so how to grasp the opportunities and meet the challenges, continueto promote its better and faster development, has become a city in northeast Chinacommercial Banks need to study important issue. No matter from city commercial bank’s own development advantage for, or from the macro economy on city commercialBanks in its due role in the banking system requirements of all, the northeast area citycommercial bank management, locate has a very important significance.This article through to the northeast of the present situation of city commercialbank---bank of Jilin survey and found that the analysis of characteristics of the mainproblems existing in the business area is narrow, the business relative concentration,market position fuzzy, management characteristic not obvious, the ownership structureis unreasonable, business types is weak, the lack of innovation, the quality of the assetsis not tall and lack of talents pool, difficult to adapt to the new situation. In order tosolve these problems, this paper puts forward some countermeasures and Suggestions,including the northeast region shall specify the city commercial Banks marketpositioning, look for the larger development space, the positive development of theintermediate services, to foster new benefit growth point, strengthen the creditmanagement, optimize the corporate governance structure, improve the quality of loanassets, reduce adverse ZiChanLv, at the same time, to optimize the industrial structure,and realize the cross area to business, for publicly listed in the capital market.This paper is divided into six parts, The first part describes the background andsignificance of this article on the topics summarize the article, research methods; Thesecond part described the current environment for the development and current situationof overall city commercial banks; The third section focuses on the strategic objectivesof the Bank of Jilin during the second fiveand development strategies, as well as Bankof Jilin survival advantage and disadvantage; fourth part of the main issues constrainingthe development of the Bank of Jilin; the fifth part of the proposal to rationalize theissues raised above; the sixth section summarizes the author’s own point of view.