Qiqihar Branch Of Bank Of China Internet Financial Business Development Strategy

In recent years,with the rapid development of the financial market,the direct financing business is growing,innovative business has developed rapidly,the commercial banks are experiencing the transition from traditional financial services to emerging financial services,investment bank business scale in the overall size of the business has gradually rising trend.The development of the investment banking business is of great significance to the traditional commercial banks to deal with the current economic difficulties,with the deepening of interest rate liberalization in China since 2015,the people's Bank of China has lowered the deposit and loan interest rate,net interest margin space is constantly compressed,the interest income of commercial banks continued to decline,a serious impact on the profitability of commercial banks,investment banking for development the important role of increasing commercial bank intermediate business income and improve the comprehensive competitiveness,financial innovation has become the development trend of commercial banks.Bank of China of Qiqihar branch is responding to the new development of market economy.It is gradually combining traditional commercial bank deposit and loan business and settlement business with investment banking business to meet customers' changing investment and financing needs.The present situation and development mode of investment bank firstly expounded at home and abroad,analyzes the necessity of the development of the investment banking business of commercial banks in China,through the development of investment banking can effectively deal with the interest rate market case loan spreads shrink,make the commercial banks more involved in direct financing market,enhance the comprehensive competitiveness of commercial banks.Facing the current opportunities and challenges,the Bank of China Qiqihar branch still has some problems,such as the traditional business has a high proportion,the investment bank lacks innovation,the product structure is single,and there is no professional talent.Secondly,taking the development strategy of Qiqihar branch investment bank as the research object,based on the development of domestic investment banking,we discuss thedevelopment strategy of bank of China of Qiqihar branch investment business.Through the basic situation,main business model of the Qiqihar branch of investment banking are summarized,the research on the development of an important role in the development of investment banking business in Qiqihar branch,combined with the internal and external situation,it points out the existing problems in business development,and put forward some corresponding countermeasures and suggestions for these problems,that is conducive to the development of the investment bank,Qiqihar branch to cope with the financial market,the increasingly fierce competition environment.