Study On Development Countermeasure Of City Commercial Bank Financial Services Business Based On SWOT

With the development of economy and the improvement of people’s living standard, the financial business is more deeply rooted in people’s hearts, 2014 years so far, the government has introduced a number of relevant policies, has repeatedly lowered the benchmark interest rates and the reserve requirement ratio, time, capital market ushered in the rapid development of spring. However, relying on the survival of traditional deposit and lending business of commercial banks, the benchmark interest rates continue to drop, in terms of business met new challenges. The domestic economic environment requires commercial banks to make new changes, in order to better adapt to the new economic situation, many commercial banks gradually accelerated the development of the banking business, financial business gradually expand the scale, variety is increasing gradually, has become the indispensable to commercial banks is one of the core business.In order to explore how the commercial banks better develop financial services, this paper analyzes the specific development of the bank financial services in Shanghai Shenzhen bank in recent years.This paper consists of six parts. The first chapter introduces the research background, purpose and significance of the research, research methods,the trends at home and abroad of the research,and the innovation of the thesis.The second chapter describes the theoretical basis of the financial business of commercial banks and the historical development of commercial banking business, at the same time, the development and status of China’s commercial banks and financial services. This part is to introduce the theoretical basis and historical development of commercial bank financing business.The third chapter into sample banks operating status of the analysis, a detailed analysis of the sample of the bank’s overall business structure, And comprehensive analysis the index of the sample bank financial business scale, profit, product structure.AT the same, assess the effect of the sample bank financial services t. This part aims at exploring the individual characteristics of the sample banks,And make a good foundation for the analysis.On the basis of the previous chapters, the fourth chapter makes a further analysis of the internal environment of the sample bank, combined with its external environment and internal environment, and carries out the SW analysis of the development of bank financing business. In-depth analysis of its competitive advantages, competitive disadvantage, after the analysis of the results to make a summary, draw the conclusion of the sample bank financial services SW analysis.The fifth chapter into the sample banking financial business development OT analysis, in-depth analysis of the potential external threats and potential external opportunities and, the analysis results are summed up and analysis of sample bank financial business development OT the conclusion.On the basis of the summary of the previous chapters, the sixth chapter puts forward some countermeasures and suggestions for the development of the commercial banks. Through the analysis, can be determined, financial services on the efficiency of commercial bank has a positive effect. Therefore, commercial banks should speed up the popularization and development of financial services, and reasonable coordination of business structure, to avoid the risk.The results show that commercial banks in financial services and carry out work with a wide range of channels, a variety of products and services, the status of the industry stable and competitive advantage, rising stage of the economic cycle and economic environment conducive to commercial banks to carry out financial services; at the same time, it has such as the quality of professional personnel lack of competitive disadvantage, banks and non banking institution competition too intense external environmental threats. This article believes that commercial banks should speed up the popularity and development of financial services, and reasonable coordination of business structure, to avoid risks.