| With the deepening of supply-side reforms,regulators continue to strengthen the supervision of financial interbank business,prevent and resolve systemic financial risks,deepen the process of financial deleveraging,and increase support for the real economy.Since 2018,with the promulgation and implementation of new asset management regulations and policies,the financial interbank business of the developing commercial banks has been greatly impacted,and financial market participating institutions are facing heavy pressures for interbank business transformation.How to develop the financial interbank business of commercial banks in the future and how to achieve business transformation have become the core issues that commercial banks need to think about and solve.This paper takes SPDB Shenyang branch as the main body of analysis,discusses and analyzes how commercial banks make competitive strategies under the current strong regulatory background,and find a way out for business transformation.This paper first sorts out and clarifies the definition of financial interbank business,and combines domestic and foreign research results to analyze the current characteristics,development history,regulatory system and future prospects of financial interbank business.Secondly,it analyzed the internal environment of SPDB Shenyang branch,and sorted out its operating conditions,organizational structure,resource capabilities,and existing major problems.And through PEST analysis tools,from the political,economic,social,and technical aspects of the SPDB Shenyang branch facing the macro environment in-depth analysis.After that,using SWOT analysis tools to sort out and analyze the corresponding competitive strategic plans of SPDB Shenyang branch in the financial inte-bank business field,and explain them one by one.Finally,differentiation strategy is chosen according to the actual situation it faces,and establishes the strategic policy of "continuously deepening the hierarchical and classified operation of financial institutions,innovating development,highlighting advantages,and strengthening the agency business".And made specific strategy implementation deployment and supporting measures. |
