Study On The Current Situation And Problems Of Assets Custody Business Of Z Bank

As the economic growth slowing down,the financial industry has undergone significant changes in our country due to the interest rate liberalization reformed,Financial Disintermediation and other factors in China,the depositing-out trend shakes the traditional debt business of the banking industry to a great extent,it's imperative to create efficient and energy-save banks.The deep transformation of banks also brings historic opportunities to asset trusteeship industry.Asset trusteeship is one of the most prominent intermediary business in the modern commercial banks which involves the most extensive fields,specialization and comprehensive management.It is a strategic emerging business with light capital and low risk which has broad market space and huge development potential.In the past two years,the state has carried out various reforms in the financial field in order to control the risk of financial system.Those reforms have a directional impact on the development of trusteeship business.In one hand,the driving effect of traditional development mode of asset trusteeship industry has been weakened.The extensive scale expansion is difficult to promote the sustaining and healthy development of the industry.In the other hand,homogeneous service can't follow up the building of the core competitiveness of the trusteeship industry.In addition,the traditional structure and operating mechanism are not in line with the comprehensive development of the industry,the growth rate of the trusteeship industry is gradually decreasing.It is urgent to find a way out for their trusteeship business for commercial banks.Z commercial bank is a medium-sized joint-stock commercial bank in China.It has obtained the trusteeship qualification of the securities investment fund since 2004,which has already possessed all the admission licenses of the asset trusteeship business in China.However,Z commercial bank also faces the impact of the environment of the whole asset custody industry,and needs to solve its own problems.Based on the background of China's commercial bank asset trusteeship industry,this paper summarizes the concept of China's commercial bank asset trusteeship business and the development process of the industry status and the external environment.Then it analyzes the development status of Z commercial bank's asset trusteeship business and summarizes the current problems of Z commercial bank's asset trusteeship business in all aspects and the reason.Finally,this paper mainly points out the development countermeasures of Z commercial bank's asset trusteeship business,and analyzes the Countermeasures from four aspects: System countermeasures,Talents countermeasures,Marketing and Risk management countermeasures.Based on the research of Z commercial bank's assets trusteeship business,this paper analyzes the current development situation and the problems of Z commercial bank's assets trusteeship business,then puts forward the measures of Z commercial bank in three aspects: Marketing strategy,Business strategy and Risk management control strategy,and discusses how to improve Z commercial bank's assets trusteeship business.Constructive suggestions are put forward for the sustainable development of Trusteeship business,which can be used for reference in the business practice of Z commercial bank.