Research On Financial Strategy Optimization Of City Commercial Banks

With the development of regional economy,urban commercial banks have entered a period of rapid development.However,due to the influence of external environment and internal operation and management,the financial management level of urban commercial banks at this stage is uneven overall.The profitability level slows down,the ability to resist risks is reduced,and many commercial banks are faced with opportunities and challenges.Many commercial banks are limited to financial activities,and the existing financial strategy does not match their development speed.Therefore,It is necessary to actively study and explore the urban commercial banks,optimize the existing financial strategies,and combine the internal and external environment analysis to promote the realization of the overall development benefit objectives of urban commercial banks.In this paper,financial enterprise F Bank as the object of study,first,combing the corporate financial strategy and financial strategy matrix of the relevant concepts and theoretical knowledge,lay a theoretical foundation for research.Secondly,It points out that banks should make reasonable financing strategies,play the role of operating cash flow,introduce open and diversified financing methods and optimize debt financing structure.Thirdly,based on the general situation of F Bank in recent years and the status quo of financial strategy,combined with the analysis of financial strategy environment of F Bank,this paper introduces the financial strategy of F Bank from four aspects of financing,investment,dividend distribution and working capital management strategy,point out the current problems of Bank F.Finally,from financing strategy,investment strategy,dividend distribution strategy and working capital management four aspects of financial strategy optimization recommendations,specifically as follows:First,The investment strategy from the development of emerging business,mainly to develop retail,corporate,financial markets and other businesses;Next,Point out that banks should develop reasonable financing strategies,Actively play the role of operating cash flow,Good financing risk control,At the same time,do a good job of audit work;once more,Put forward to scientifically promote the implementation of the operation strategy,Promote revenue and cost management,optimize the asset structure,and maximize profits;last,To optimize the income distribution strategy,Protecting the rights and interests of investors,Reasonable distribution of income,Improve the return on investment mechanism,We will optimize the structure of total bank assets.This study has important reference value for the realization of the strategic goal of high-quality development of banks,and to solve the practical development problems based on their own reality.