A Study Of The Development Strategy Of Transaction Banking In NJ

With the construction of multi-level capital market,social financing channels gradually rich,rapid development of direct financing,the role of commercial banks as credit intermediaries is gradually weakening,the development of the traditional company credit business facing impact.At the same time,the financial disintermediation and interest rate market intensified competition in the market,the commercial bank profit margins continue to compress,forced business to make the corresponding adjustment in structure and mode.As one of the direction of the transformation of public service,transaction banks are getting more and more attention from commercial banks.As a transaction banking business has just started the listed commercial banks,how to combine the external environment and their own characteristics,choose the most suitable for the development of the bank's own trading strategy,and enhance market competitiveness,promote the transformation of the company's business and asset light operations,this is an important topic worthy of study.On the basis of the review summary of the domestic and foreign commercial bank transactions banking business model,the research combined with the Bank of NJ business development and external environment,including macro economic and financial environment,external regulatory environment and the own characteristics of NJBank,using the SWOT analysis method to locate the Bank of NJ bank trading business development strategy,and puts forward the measures of trade the development of banking business corresponding guarantee.This study believes that the future of banking business of NJbank can take WO strategy,use development opportunities and over come their own weaknesses.In the new economic norm and the supply side structural reform,enterprises continue to expand and enrich the transaction demand;at the same time,the implementation of three strategies and regulatory policies continue to relax the hitherto unknown opportunities for the trading business development bank;the trading business of NJ bank needs to take advantage of these opportunities,at the same time,keep the supply chain finance as the core to build the business system of transaction bank,through the adjustment and the optimization of the organizational structure,strengthen the human and technical inputs,design a new risk management system and model,continue to lay a solid foundation for the development of banking business transactions,provide one-stop integrated financial services for customers.