Study On Strategy Of Optimizing The Development Of Bill Pool Business Of A Bank Nantong Branch

In recent years,the scale of China’s bill market has been larger and its development has been deepened..In addition to the traditional business,enterprises need banks to provide more diversified financial services such as bill custody,entrustment and collection,and pledge financing.Therefore,the bill pool product with comprehensive financial service attributes has become a new business that the banks have focused on developing..In the whole process from entering the pool to leaving the pool,commercial banks match the cash flow with the maturity,provide the corresponding operation mode of product information,and implement effective management according to the different characteristics of the bill flow process,so as to meet the needs of different customers.Since 2006,domestic commercial banks have been seizing the development opportunities of the bill market.In particular,some powerful small and medium-sized banks have successively launched bill pool products that fit the local characteristics and differentiated target customer positioning,and take them as the key tool to promote the transformation and development.This paper takes the development of the bill pool business of A Bank Nantong Branch as the research object.Based on bill nonfactor theory,financial innovation theory,core competitiveness theory,etc.,it adopts literature research,case analysis,comparative analysis and other methods to study the current situation of the bill pool business of A Bank Nantong Branch.Through analysis,it is pointed out that the A Bank Nantong Branch has five problems in the process of bill pool business,such as serious product homogeneity,low efficiency of business treatment,lack of advantage in pricing,poor effect of customer expansion and lack of professional level of staff,and the reasons for the above problems.Then,from strengthening product innovation,business process reengineering,implementation of differential pricing,broadening promotion channels,improving marketing level,perfecting talent strategy and other aspects,the paper puts forward specific optimization measures,hoping to accelerate the development of the bank’s bill pool business.A Bank Nantong Branch is in a critical period of transformation and development.If these measures can be adopted and implemented,they will help improve the competitiveness of A Bank Nantong Branch,expand the share of its bill pool business in the local market,and also play a certain reference significance for financial institutions in the same industry.