Research On The Diversified Development Strategy Of The International Financing Business Products Of The Agricultural Bank Of China LQ Sub-branch

Facing the current economic situation and social environment,the whole global economy is constantly changing and integrating in a high speed,also the degrees of openness of all the economy bodies are all continuously deepening.For our country being in such environment,opening our own market is the only way.All the domestic industries will be adversely affected by the global economy,and for the finance industry,it needs to conform to the development trend and arrange its own development plan with an open eyesight,to deal with the growing competition in the industry.Besides,domestically in China,the development of finance industry shows a thriving picture,and Financial Disintermediation is the current trend,hence the traditional finance industry is facing the huge challenges of these new finance providers.At the same time,the government is putting efforts to urge the transformation of the economy,and the economic structure is changing,thus for the traditional banking industry,vigorously developing intermediary business,and increasing the revenue of intermediary business is the effective method for dealing with the fierce competition of the finance market.Since international financing business has the advantages of high yield,low risk and high quality of clients,it becomes one of the main revenue sources of commercial bank intermediary business.To find a place in the international financing business,products have the most right to speak,and the products suitable for the clients can meet the international financing requirements of the clients to the biggest extent,thus to connect the clients and the bank more closely,and to further increase the chance to succeed in competition for the commercial bank,hence to better deal with the fierce competition.This paper starts with the product diversification problem of international financing business of Agricultural Bank LQ Branch,focusing on solving the problem of product singularity,finding the causes of product singularity and confirming corresponding solving methods.For LQ branch,mature products of international financing business have already been existed,but lacking the corresponding detailed implement of products,thus the international financing products are only limited in the traditional range of Notes Financing and Cross border RMB business.Under this background,this paper finds the causes of the problem by using questionnaire and field research,at the same time,by applying with the related knowledge of Management,and analyzes the composition of international financing products of LQ branch,learning from other excellent papers for the solutions provided and other branches in Liaocheng area for the mature experience,to formulate the plan suitable for its own product diversification,thus to provide continuous impetus for the follow-up development of international financing business of LQ branch,this will also further increase the revenue of intermediary business of LQ branch,hence to better attract potential clients,grabbing finance market share of LQ.The writing thought of this paper is based on the following clues:what kind of problem the international financing business of Agricultural Bank LQ branch has in product structure,what are the causes of the problem,and how to solve the problem,and also to conduct feasible analysis on the solutions.And the key issue this paper discusses is that,under the condition of the application of related products being relatively mature,the product structure of LQ branch is still very monotonous.Simply speaking,why not use the mature and good quality products already owned,and just limiting the international financing business to a small range of several products.Therefore,the structure of this paper is as follows,including mainly six sections,the first chapter is introduction section,mainly introducing the research background,significance,thought and methodology of this paper.Describing the internal and external environment LQ branch is facing,and elaborating the significance of studying this problem,at the same time,also stating the methodology adopted in the research.The second chapter is about the literature and materials this paper mastered,through studying and organizing domestic and international related literature,this paper has some knowledge about the research condition of this field,and draws related good lessons from them.The third chapter is to introduce the current situation of international financing business of LQ branch,meanwhile,to find the problem from the current situation,and from four aspects of talents,management,motivation mechanism and operation model,to analyze in details the problem existed in product diversification of international financing business.The fourth chapter is the analysis of detailed causes,and analyzing the causes of the problem in the above stated four aspects respectively.And the following fifth chapter is about finding the suitable product scheme of international financing business for LQ branch basing on the above mentioned work,and then proposing solutions from different angles.Finally,concluding the scheme,and making positive expectation about the future development of international financing business of Agricultural Bank LQ branchThis paper makes analysis basing on the facts of Agricultural Bank LQ branch,and uses related knowledge of business administration to solve problems.Although certain theoretical and practical work has been done,inevitably there are some defects and weaknesses,and I will also constantly optimize and change the scheme in the future work.