Research On The Development Plan Of HN Bank Business

Commercial banking business development plan has been a commercial bank is very concerned about the issue, it is related to the development direction of the bank's main business. At present, the development of banking industry is becoming more and more severe. With the rapid development of Internet finance, the competition of banking industry will become more and more fierce, and the private capital will break the pattern of the existing banking market. Banking industry has brought a huge impact, HN Bank as a local commercial banks, the impact will be more obvious. Combined with interest rate marketization, non-bank competition, regulatory tighter, homogenization of serious factors such as suppression of bank profitability and development of space, city firm structural transformation is imminent. It is difficult for the state-owned commercial banks and joint-stock banks to form a competitive advantage because of their small scale, poor customer base, difficult access to talents, backward mechanisms, regional restrictions, weak capital and historical burden.In this context, this paper analyzes the existing problems of the main business of HN Bank at present, draws lessons from the experiences of domestic excellent stock banking business development plan and applies the theory of management to help it clarify its development orientation. Opportunities and internal advantages, planning the development direction of HN Bank's main business and establishing a business development guarantee system to help HN Bank achieve the perfect transformation of its business development.Based on the innovation and practicability, this paper summarizes the problems of the commercial bank's actual business, and reveals the importance of data sources, analysis methods, industry comparison and other factors on the discovery of business problems and planning recommendations. influences. In practical aspect, this paper has carried on the point-to-point business plan for the problems of HN banking business. According to the summary of the business analysis and work practice of the business plan, it can be immediately used in the management practice of commercial banks, With significant guiding and practical significance.