The Developmental Research Of Direct Bank In China

Under the multiple pressures of economic transformation and the interest rate liberalization, banks of China start to have some problems, like lower profitability, slower capital growth, higher non-performing ratio of assets, etc. The shrinking gap of savings and loan forces banks to search for new operating models, in order to find some new service increasing points.As a consequence, the “Direct Bank” abroad becomes a powerful weapon to help those brave ones getting a head start. By conducting deep analysis about the actuality and characters of traditional commercial banks, this paper takes the current phase as the best chance to develop the transaction of Direct Bank. Through an actual case of China’s bank, the paper reveals the customer targeting and product service in details. The incredible development and the positive affects on banks show us great potential of Direct Bank. On this basis, the paper does a further analysis for the banking risks of direct bank, and then, draws a conclusion about the future direction of development, besides, in the end of this paper, some opinions and suggestions are raised, in order to help the transaction of direct bank developing better and faster.