The Transformation Research Of Commercial Banks Under The New Normal-in Tantgshan Area

In 2007,the subprime mortgages crisis as a starting point,the global economy has begun to enter the downlink channel.In recent years,the developed economies,despite the economic recovery,but no job growth.Since the 21st century,and,according to a report released by the official channels as a world famous investment institutions Alien,chief executive of PIMCO investment management company with"the new normal rein in industrialised countries" article:after the crisis the world economy in the unemployment rate increase,economic growth is slowing,return on capital to reduce the characteristics,the state as the new normal,academic field for the first time for the world economy formally put forward the concept of the new normal.Alien concept put forward about the new normal,set off the world about the new phenomenon of norm theory,research,produce many new ideas,and the same,their common characteristics are included:the global economy after the crisis startedlong after the adjustment process.Economy enters a new normal stage of development in our country,is accompanied by the world economic integration,when our country's economy entered a rapid growth to the rapid growth,the pattern of economic development from scale speed type to quality efficiency type of extensive growth and intensive growth,economic development from the traditional growth is turning to new sources of growth,more advanced form,the structure of the division of labor is more complex,more reasonable phase of the "new normal" economy,marks the Chinese economy toward a new stage of development.The real economy the change of the mode of economic growth,brings new challenges and opportunities for the Commercial Banks;The economic situation of the changing economic contradictions unceasingly highlighting,commercial bank's asset quality is facing a great threat,credit risk pressure increasing;In addition,the acceleration of marketization of interest rate,spreads the trend more apparent,financial disintermediation is more outstanding,more strict financial regulation,makes commercial banks operating environment continued to deteriorate,the competitive pressure.These changes to the commercial bank management structure,business structure and asset quality and so on have important influence,forced commercial banks to take all kinds of transformation measures,in response to the needs of economic development,promote the stable operation of commercial banks.So for Commercial Banks,the arrangement of the transformation measures,the transformation of continuous exposure to effectively solve the new problems,has become the development of Commercial Banks is the important problem.This paper studies the main line to choose Commercial Banks face the economic transformation strategy under the new normal,as the basis for this article,research methods-instance-policy suggestions according to the theory logic,logic to enrich the contents of the thesis.This paper describes the research background and significance,and then to the transformation of commercial bank in the literature,in the economic concept,background and main feature of the new normal is discussed in detail,the cradle of China's modern industry-the background of Tang-shan area,under the new normal economic research,such as,official media reported the Tangshan is experiencing an unprecedented transition throes,before the transition effect due to economic slowdown will be the obvious features.In this economic climate,a large state-owned commercial banks in Tangshan-C behavior,first analyzes the basic situation,and then analyzes its economic transformation under the new normal target and arrangement,proposed the present stage in the process of the transformation of Tangshan city commercial bank is widespread,such as the management idea of hidebound patterns,traditional business growth,science and technology support does not reach the designated position,professional talent shortage,and inadequate control efforts,finally put forward the corresponding policy recommendations:to advanced management idea ram transformation development foundation construction,keep and relying on the traditional business advantages to enhance the level of service,relying on the support of science and technology to achieve the comprehensive innovation,talent of education high quality comprehensive service ability,improving risk management to promote the steady development,in order to promote transformation of commercial banks further.