Research On Competitive Strategy Of Asset Management Business Of Hua-Yi Bank

For commercial banks,bank asset management business is a kind of bank asset liability business that does not need to withdraw deposit reserve and is not constrained by capital adequacy ratio.In essence,it is a "shadow bank" operated by capital pool.This kind of strong "off balance sheet" profitable potential makes the asset management business of commercial banks,that is,non-guaranteed financial products business,develop vigorously in just a few years.In the era of "big asset management",the asset management business of commercial banks has developed to an unprecedented scale with the speed of triple jump.With the rapid expansion of the asset management business of commercial banks,the hidden dangers of the structure short board,the organization short board and the system short board begin to appear.With the rapid growth,there are some problems such as nonstandard business development,multi-layer nesting,rigid cashing,avoiding financial supervision and macro-control.In order to maintain the stability of the financial system and ensure the healthy development of the asset management business,since 2017,the regulatory authorities have started to "shine the sword" frequently,and a series of drafts,guidance opinions,systems and regulations have been released.Affected by the new regulatory system,the asset management business of commercial banks has stood on a new starting line again.This paper chooses Hua-Yi bank as the research object to study the competitive strategy of its asset management business.As a small and medium-sized local commercial bank,Hua-Yi bank’s asset management business has developed rapidly and expanded rapidly in the era of "big asset management".At the same time,it has created the profit contribution that is hard to be achieved by the traditional business of the bank in a short time.However,with the changes of market credit environment,regulatory policy and macroeconomic,Hua-Yi bank’s asset management business is also stepped into the fork of choice by the tide.This paper analyzes the external and internal environment of Hua-Yi bank’s asset management business.According to the analysis,EFE matrix and IFE matrix are established respectively,to analyze and select the competitive strategy,and then the research on the implementation and security of the strategy is discussed.This research has a positive significance for the asset management business of Hua-Yi bank,and also has a valuable reference for other commercial banks to develop the asset management business.