Research On The Development Of Transaction Bank Of Y City Commercial Bank

Transaction banking is the inevitable direction of commercial banks' light capital operation.After the 2008 financial crisis,the reform of Basel ? capital supervision system has had a profound impact on the global banking industry.Investment banking revenue has dropped sharply,and transaction banking has proved its strategic significance to the development of modern banking business with its steady income growth and low-risk asset occupation.Foreign large multinational commercial banks have returned to basic business such as transaction banking and accelerated the optimization of transaction banking,which has gradually formed a strategic trend of transaction banking.Based on a newly established provincial legal person bank-Y City Commercial Bank,this paper analyzes the economic and industrial advantages of the province,the innovation advantages of the start-up period,and the opportunities of structural reform on the supply side of the country,the internet and big data technology through SWOT analysis.The General Office of the State Council issued " Guidance on Actively Promoting Supply Chain Innovation and Application" and " Measures for the Administration of Accounts Receivable Pledge Registration" and other policy opportunities,believing that the bank has a good market opportunity in the transaction banking.In-depth analysis of Y City Commercial Bank's development status and practices,including organizational structure setting,product development process,business results achieved and typical cases.Positioning Y City Commercial Bank's lack of strategic positioning,unified organizational structure,slow product development,unsmooth operation and static risk management in the development process.After summarizing the organizational structure model,brand release,product construction and product integration scope of the transaction banking,as well as the business development indicators of the transaction banking,according to the bank's own characteristics,it is proposed that Y City Commercial Bank's strategy to develop the transaction banking should highlight the characteristics of borderless customer localization service and online service.By unifying the organizational structure of the transaction bank,developing technology-enabled products,strengthening product construction and operation capabilities,and controlling big data risks,the development path of the transaction bank will be realized.The innovation of this paper is to provide a train of thought and method for the transformation of local commercial banks' business.Systematic analysis summarizes the development process of Y City Commercial Bank Transaction bank,analyses the existing problems,and expounds the strategic positioning and development path of Transaction bank from the theoretical level,which is innovative to a certain extent.This study will provide reference for similar city commercial banks to develop Transaction bank.