摘要
Abstract
The company’s business is the main business for commercial banks.At present, commercial bank’s business market competition is unusually intense, so it’ s urgent to seek new developing space, to achieve the transformation and upgrading of rise, and to reach a common view that transaction bank is an important way of the commercial bank’ s business transformation and upgrading.However, now the transaction banks don’t have a deep understanding of the developing environment, especially the influence of internet finance, so the business model is not sustainable.To develop transaction bank is needed to objectively analyze the internal and external environment, especially the deployment of the new national development strategy, regulatory guidance, the marketization of interest rate, financial disintermediation, internet banking and other factors to get its full impact on bank transaction business model;to ensure scientific development goal, realize the resource integration optimization, adapt to customer transaction, the maximization of management efficiency, profit maximum and the lowest risk control.It needs to combine with the transformation objectives, closely center on the customer’ s trading objectives, trading behavior, trading risk, trading needs, trading area, trading results and so on, to design a transaction bank’ s accounting system, organizational structure system, customer system, product system, wind control system, etc., to fully use the internet thinking and facilities, on the basis of internet platform, the transaction bank’s basic business such as supply chain finance, trade finance, and cash management, and the developing trend to integrate resources, operate transboundarily, train talents, innovate products, and then to enhance the competitiveness of the transaction bank.关键词
商业银行/交易银行/互联网思维/战略研究Key words
commercial bank/transaction bank/internet thinking/strategy research分类
管理科学
