Study On Competitive Strategy Of Bills Business Of Z Bank Jinan Branch In The New Era

Financial enterprises in our country must deepen their understanding of the nature and laws of finance,base on China’s national conditions and the international market environment,effectively serve the real economy,return to the origin of finance,meet the needs of the country’s economic and social development and the needs of the people,and go out of the financial industry with Chinese characteristics.development path.As an important non-cash payment method in the financial field,bill business spans the three major markets of credit,currency and capital.It is an important part of the capital market and the inter-bank business market.It is an important way and means to promote the sustainable and steady development of the banking business,especially the business of the financial market sector.Capital advantages,while not occupying the scale of credit,are notable features such as less economic capital occupation,high economic added value,and controllable risks.In recent years,with the deepening of financial reform and the continuous development of financial innovation,the bill business has been vigorously developed,and all commercial banks have paid more and more attention to the development of bill business.After several stages,the market matures and plays a pivotal role in its operation and even the overall financial market.However,under the impact of the epidemic of the century,the evolution of the century-old situation has accelerated,and the external environment has become more complex,severe and uncertain,and the domestic bill business market has also undergone many changes.Those with relatively small credit scale,relatively high capital cost and relatively low profit model A single bank is faced with many challenges.Taking Z Bank Jinan Branch as an example,in an environment where opportunities and challenges coexist,in-depth research on the market competitiveness of bill business is of great significance to the bank’s management and development.This thesis focuses on analyzing the relevant contents of the bill business of Bank Z Jinan Branch.Based on the business development strategic goals set by the bank,combined with the corresponding knowledge and methods,the two elements in the bank’s bill business—competitive strategy and Safeguards have been studied in depth.This thesis consists of three parts,the first part is about the research background and related theories of the topic.Starting from the research background and research significance,this thesis systematically sorts out the development of domestic and foreign bill business,and briefly expounds the relevant theoretical knowledge of bill business and competitive strategy.The main content of the second part is an in-depth study of the influencing factors of the development of the bill business of Z Bank Jinan Branch.Based on the development status of the bank’s bill business,a variety of research methods are used,such as PEST analysis,five forces model,SWOT analysis,etc.,and the impact of internal competitiveness and external environment on the bank’s bill business development is analyzed.The advantages and disadvantages,opportunities and threats faced by the bill business in the development process under the environment.Using SWOT analysis,the three competitive strategies are compared to provide a favorable basis for further determining the differentiated competitive strategy.The main content of the third part is to formulate the competitive strategy of bill business.Based on the strategic design of the concept of differentiation,in-depth research is carried out for the purpose of improving the efficiency of the bill business and expanding the scale of the bill market.First,optimize the process of bill business.Secondly,make adjustments to the relevant channels of the bill business.Third,enhance market competitiveness from the perspective of product innovation.Finally,the competitive strategy is further refined through pricing optimization.The background of the paper is based on the spirit of the latest central Economic Work Conference,that is,how to improve the competitiveness of the bill business in the same industry in the "international circulation under the background of CO VID-19",and break through the traditional business competition mode,the article gives important implementation plans and safeguard measures.