Reseaech On The Investment Banking Business Development Of C Branch Of Mou Commercial Bank Of China

Commercial bank plays important roles in China’s economy grow steadily.However,with the marketization of interest rate,the financial disintermediation,the continuous development of internet finance and the continuous opening of the financial market in China,commercial banks are faced with the internal pressure that the profit growth and the traditional credit business are declining,but the rate of the non-performing loan is increasing and the outstanding circumstance that the competition,which comes from foreign banks and the other banks in China,is more and more intensive.Commercial banks have been looking for ways to keep business-growing mode and adjusting their income structure.MOU commercial bank of China is one of the earliest commercial banks to start investment banking business in China.In recent years,with the increasing variety of investing banking products,the investment banking business has made a considerable development,which the business scale and capacity of the investment banking has been continuously upgraded.At the same time,there are some problems such as backward investment bank management system,excessive reliance on low-end business,low investment banking service level,which restrict the development of investment banking business in C Branch.This paper summarizes the characteristics of investment banking business of branch C,analyses the problems that old-fashioned concept of management,excessive relying on low-end investment banking business,low level of investment banking service,poor risk management system and optimization of business process,and explores the reasons causing these problems.Then,with the abundant customer base,strong financial strength,numerous human resources and technological advantages of branch C,this paper puts forward some suggestions,including: optimizing the organizational structure and improving the management level;increasing innovation efforts to enhance the proportion of high-end investment business;paying attention to the construction of talent team and improving investment banking clothing;improving the risk control system;establishing smooth communication channels and strengthening cross-department cooperation and strengthening the product publicity of investment bank business to establish brand awareness.This paper aims to make some contributions to the work,and make reference and inspiration for developing investment banking business for other commercial banks.