Research On The Development Strategy Of T Bank

Along with the macro reforming and opening,interest rate marketization and finance disintermediation of China,the saving amount is shrinking gradually,and the interest spread is narrowing.Also with the tendency of tightened financial regulation,foreign bank entrance,and new financial models and disintermediation enabled by “Internet+” development,makes it increasingly harder for domestic banks to grow.Essentially,the reason is the flaws in the developing strategies of commercial banks.Insufficient strategy research,similar serving methods,homogenized competition,inaccurate market position,all affect urban commercial bank to develop.As a result,only based on the objective situation of commercial banks market and current social events environment,adjust strategic direction,commercial banks may not be bounded by traditional develop problems.The commercial banks need to search for non interest revenue growth,strengthen competitive force,may realize healthy development.T bank as research object,firstly,this article is researching based on a large amount of strategic management,bank developing strategy papers and so on,in conclusion it cuts in developing history of commercial banks and researching achievements,compares development characteristics of U.S community banks,and development strategic characteristics of Chengdu banks,presents the research thinking.Secondly,through two common models,which is Potter Five Forces model and SWOT analysis model,it analyzed the current business situation T bank is facing on both inner and outset sides.It pointed out T bank should focus on Nanchong market,mainly serving the small-micro companies,developing personal financing,and trying to go publicly.In the end,this article makes reasonable suggestions on T bank's development resources supporting.It will provide some advices and inspiration to middle small city banks.