G Bank Tokyo Branch Corporate Credit Business Research On Competitive Strategy

As an important part of banking company business,credit business accounts for a large proportion in the overall profit contribution of banks.In the Japanese market,where negative interest rates have been implemented for a long time,the interest rate spread of financial institutions has narrowed,and the overall credit supply scale has grown slowly,continuously reducing the revenue capacity of financial institutions in the Japanese market.In such a market environment,Tokyo Branch also faces the same problems: the homogenization of bank credit products is serious,the competitiveness of Branch corporate credit products is declining,and the profit creation ability of corporate credit business continues to decline.Especially affected by the epidemic,the supply of bank credit products has been greatly affected.As a Chinese bank established in the Japanese market,how to grasp the market changes,make corresponding adjustments and improve the competitiveness of the branch’s corporate credit business is more urgent and necessary to adjust the branch’s credit business competitive strategy.Focusing on the problems faced in the development of the branch’s corporate credit business,we first look for ideas and strategies from the literature.At the same time,through the induction and sorting of various data,we use PEST model and Porter’s five forces model to analyze the external environment faced by the branch’s operation and development.Next,the Boston matrix is used to verify the product positioning of the corporate credit business in the branch’s full business.Combined with the actual operation situation of the branch,the internal advantages and disadvantages of the branch are analyzed.With the help of SWOT analysis model,combined with the feasibility analysis of three strategies,find out the adjustment direction of the branch’s corporate credit business competition strategy.At present,the international political and economic situation is complex and changeable,and the Japanese economy is uncertain.Adopting the differentiated competition strategy will inject vitality into the development of the branch company’s credit business: build a characteristic product system more suitable for the Japanese market with the help of the group’s differentiated product advantages;By enriching marketing channels,broaden customer base and further enhance the diversification level of branch company customers;With the continuous improvement of product differentiation and customer diversification,the ability of the branch to serve various customer groups will be further improved,forming a unique differentiated service system of the branch,and promoting the overall competitiveness of the branch’s corporate credit business.In terms of strategy implementation guarantee,the branch will provide support from ideological and institutional guarantee,organizational framework adjustment,human resource investment,information technology application and other aspects to ensure the steady progress of the implementation of the differentiation strategy of the branch’s corporate credit business.As an overseas branch of a state-owned bank,its operation and development should be based on serving the development of the country.The branch will actively implement various national strategies,actively integrate into the new development pattern of "international and domestic double cycle",take the improvement of the competitiveness of corporate credit business as the "leading area" for institutional transformation and development,and continue to contribute to the steady operation and long-term development of the branch.