Research On The Development Strategy Of Corporate Loans For XX Bank Zaozhuang Branch

This dissertation studies the development strategy of the corporate loans business of XX Bank Zaozhuang Branch.It helps to improve the competitiveness of XX Bank Zaozhuang Branch and provides ideas for the financial interbank development of the corporate loans business.Combining the oretical analysis and empirical analysis,this dissertation analyzes the macro environment of corporate loans business for XX Bank Zaozhuang Branch from the political,economic,social and technical aspects through the PEST model.Using Porter's Five Forces Analysis with threat of new entrants,threat of substitutes,bargaining power of customers,bargaining power of suppliers,industry rivalry,this dissertation analyzes the industry environment in which the corporate loans business of XX Bank Zaozhuang Branch is located.Combining the internal environment of XX bank Zaozhuang Branch,this dissertation finally finds out the opportunities and threats.According to these findings,this dissertation takes a further step,using SWOT analysis method to come up with the development strategy that is most suitable for the corporate loans business of XX Bank Zaozhuang Branch in the next 5 years.In the first 2 years,the bank should take actions to turn weaknesses into strengths using WO strategy.First,the bank should promote corporate loans business to a strategic level.Second,the bank needs to adjust credit structure strategically.Third,the bank needs to optimize credit policies and procedures to improve approval efficiency.Fourth,the bank needs to strengthen pricing management and establish comprehensive pricing mechanism.Fifth,the bank needs to strengthen post-lending management.Sixth,the bank needs to establish effective incentive and performance evaluation system.With the measures above,the bank will improve the market competitiveness of corporate loan business quickly.The following 3 years,the bank should put resources where the most external opportunities and internal advantages are.First,the bank should use brand influence to increase marketing efforts.Second,the bank should use good products and focus on key market.Third,the bank should use financial technology to improve business quality.Fourth,the bank needs to strengthen public-private linkage and provide comprehensive financial services.Finally,the bank needs to improve credit quality and maintain high quality business growth.With the implementation of this strategies,XX Bank Zaozhuang Branch will cope with the rapid changes in the market economy better and achieve stable and healthy development in the local market environment.