Study On The Merger And Reorganization Of Huarong Xiangjiang Bank

Commercial bank restructuring is the domestic a relatively new phenomenon in recent years, some traditional small and medium-sized city commercial, urban credit cooperatives in order to seek a bigger development space, solve the problem of their own disadvantage in the competition, under the leading of the government to try or implementation of consolidation.Consolidation can effectively solve the problem of small and medium-sized city bank development bottleneck, brought by the combined financial resources integration, resources integration, customer resource integration, cross-regional development conditions have different degrees of attracted the participation of small and medium-sized city bank.But the reorganization merger in the bank’s development problems at the same time, also can produce some new problems, so it is necessary for cities after the bank restructuring mode and development direction of comprehensive analysis.Therefore, this study proposed to the huarong assets restructuring:an empirical study of the xiangjiang river bank.The study both at home and abroad are summarized in the aspect of bank consolidation the first close study, this paper expounds the research content and direction.First of all, through the merger, acquisition and reorganization of the theoretical analysis shows the common way of restructuring, type, and based on the theory of m&a motivation shows the basic reason of domestic city commercial bank merger restructuring.Then combining huarong bank of xiangjiang river as an example, the consolidation of the background, process, implementation way has carried on the comprehensive description, demonstration after the consolidation of the synergistic effect, shows HRXJ bank merger restructuring performance, for the domestic other city commercial bank restructuring to provide relevant reference.Combining HRXJ consolidation after the bank still exist problems, points out its asset quality management, governance mechanism, enterprise culture integration, arrange a legacy of the aspects such as human resources, and thus puts forward measures for development after HRXJ bank merger restructuring, management development for the future HRXJ bank to provide the corresponding reference.