Research On The Development And Innovation Of Taian Bank Corporate Financial Management Products

The urban commercial bank was developed from the urban credit cooperative in 1980s,and it was mainly established to provide necessary financial support for small and medium-sized enterprises.However,since the beginning of the new century,due to the single orientation of the establishment of urban credit cooperatives,and the impact of China's implementation of socialist market economic system,WTO accession and economic globalization,financial risk related issues of urban credit cooperatives began to emerge.Therefore,urban commercial Banks began to gradually replace urban credit cooperatives and provide related financial services for local economic development.In the development process of city commercial bank,it mainly includes public business and personal business.Corporate finance service is an important part of public business,and also an important way and means for urban commercial Banks to make profits.With the gradual deepening of socialist market economy and the reform and development of interest rate liberalization,the demand for corporate financial management is also continuously increasing,which has also boosted the development of corporate financial business of urban commercial Banks.Therefore,it is of great theoretical value and practical significance to explore the corporate finance services of urban commercial Banks,which is conducive to the development and innovation of corporate finance capabilities of urban commercial Banks.This paper takes Taian bank as an example to discuss the development and innovation of enterprise financial service products of urban commercial Banks.In the research process,literature research method,comparative analysis method,combination of qualitative and quantitative methods and other research methods are adopted.Specific research contents include the following aspects.Firstly,the research significance and current development status of urban commercial Banks' enterprise financial service products are analyzed.Secondly,it discusses the relevant theoretical contents of urban commercial Banks' financial services,including basic concepts such as urban commercial Banks and financial services,basic theories such as financial innovation theory,enterprise strategic management theory,portfolio theory,and investment risk and return management of financial services.Thirdly,based on the basic situation of Taian bank and related financial services and products,the problems existing in Taian bank's financial products include homogeneity of financial products,risk of financial products,customer relationship maintenance and marketing of financial products.Finally,combining with the present situation of Taian bank enterprise financial product,using the SWOT analysis of Taian bank enterprise financial management products,and discusses some Taian bank enterprise financial product development and innovation strategy,including the diversity of financial product development innovation,the enterprise risk prevention and control of financial products,innovative maintenance of customer relationships,enterprise financial product marketing innovation mechanism,etc.The advantages and disadvantages of Taian Bank's corporate financial management are obvious.Opportunities and challenges coexist,seize opportunities,give play to advantages,utilize the characteristics of efficient and flexible local institutions,and rapidly develop and develop wealth management products with their own characteristics according to market demand.At the same time,we must innovate service models.Innovate investment and marketing models,improve risk control capabilities,dig deep into internal potential,learn from each other's strengths,and open up the road to corporate finance with its own characteristics.