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1. Continue to increase efforts to carry out business innovation assets . First of all lending operations to do innovative work in order to maintain the business advantage. First, increase credit lines to enterprises, innovation loans, for business development status, the introduction of new loans, to better support business development; Second is to strengthen consumer credit, commercial banks should be extensively carried out market research, develop consistent variety of consumer credit demand, according to the specific circumstances of individual consumer credit lending and repayment arrangements, rather than a particular type of loan can stick one way; Third, actively make innovations in syndicated loans, M & A loans and factoring loans (to be mortgage receivables) and other new loans to enterprises under the conditions of market economy development, and strengthen credit analysis of borrowers and the loan requirements of adequate collateral to strengthen risk control. Second, we must strengthen the investment business innovation and efforts to increase the variety of bond holdings.
First, innovative product development and design stage, to be followed market-oriented, customer-centric Commercial banks are the service industry, so the commercial banking business innovation should be to meet market and customer needs as the goal. Commercial Bank of China during the development of new products when it is necessary to take into account the actual situation in China, but also meet the actual needs of the market and consumers, regardless of the commercial banks which introduced innovative products, must be a market, customers, cost-effective. In the actual development of innovative products to the attention of the following three points: a) innovative products to adapt to modern technology and social development network. (2) the extent permitted by laws and regulations, commercial banks may apply to the insurance of product innovation, securitization direction, increase product variety, expanding business scope, seeking new profit growth point. (3) Commercial banks in developing innovative products can be combined to provide a package of innovative products and services to meet client investment, savings, preservation, and many other needs.
2. Investment banking business. China's commercial banks to understand and grasp the right to carry out investment banking business related to legal restrictions and policy support related to the scope of the business conducted under the premise, first, to carry out financing operations, including arrangements for debt restructuring, project financing and foreign currency, so the concession D project financing and other agents. Second, for the reorganization of corporate assets, mergers and acquisitions advisory, planning and arrangements, to provide financing, mergers and acquisitions loans. Third, the role of financial advisers to carry out or carried out in cooperation with securities companies restructuring of listed companies within the business, but not involved in distribution, underwriting and trading work.
Second, sales of innovative products in the stage, should be appropriate for the use of promotional strategies, improve product awareness, innovative products to achieve scale. Sales of innovative products is an important part of business innovation, for which commercial banks to actively do three basic tasks: First, strengthening institutional networks of services, broaden the business scope of grass-roots network to be able to apply for consumer credit. Collection and payment, credit cards, foreign exchange and other services; the second is to develop the bank card business; third is to actively offer electronic banking. On this basis,[link widoczny dla zalogowanych], innovative products to increase sales efforts,[link widoczny dla zalogowanych], expanding 履盖 surface, so that each of the innovations introduced into the common homes can be.




(a) actively creating business innovation for the development of the external environment


business innovation is the double-edged sword, in the promotion of commercial banking business fast development, but also easy to produce financial risks. Therefore, we must establish a sound business innovation monitoring system to regulate the behavior of commercial banks, business innovation, the development of commercial banks to create a fair competitive environment. According to China's commercial banking business innovation status quo, the current risk control should be strengthened as the main content of the regulation. One is to strengthen assets, liabilities, business innovation and risk management. Should draw on the experience of developed countries, to urge commercial banks to make great efforts to implement asset-liability ratio management, and strengthen management of assets and liabilities of the symmetrical, adjust the capital structure, increase the liquidity of assets, prompting term assets and liabilities, the structure tends to symmetry; through the implementation of responsibility for approving grading system, with the collective approval to detect and deter potential high-risk innovative business; through asset liability management limit the risk of innovation and business degree; by classification, collective examination and approval system, improve transparency and scientific decision-making, to prevent the individual's creative impulses have irreparable business risks. The second is to strengthen the balance sheet risk management business innovation. Sheet complex business innovation, and the hidden nature of the risk has a strong, effective measures should be taken to effectively control the balance-sheet risk arising from business innovation. Business innovation in the sheet and analysis of accurate statistics on the basis of established scientific and efficient information systems and risk assessment and early warning indicator system; for sheet business with the engineering of innovative design, the characteristics of a few fundamental physical and chemical analysis, its operation process on the implementation of the whole process of supervision; to achieve balance-sheet business innovation self-discipline supervision, the establishment of information disclosure and open system on the balance-sheet business innovation activities in a timely manner, complete and accurate records, to prevent irresponsible impulse The third is to strengthen supervision and prevent risks of innovation, we must pay attention to the business as much as possible to simplify the approval process of innovation. Regulatory approval of innovative business efficiency and innovation, enthusiasm for innovation has a great influence results. Just to live is not wanted stability is not right, just wanted stability and not to do the same activities was also wrong, because fear of the risk or simply extend the approval time for business to stifle in the cradle of innovation is a negative approach, proactive analysis The size of the risk, scope and influence, and efforts to improve risk control is desirable.

a commercial bank for business innovation strategies

Second, to encourage innovation and strengthen the supervision of both, to achieve the sound development of business innovation


(b) the establishment of realistic conditions for business innovation risk management system to strengthen the supervision and management of business innovation

(c) commercial banks to develop business innovation should be gradual, and focus on cooperation between the industry
(a) actively promote business innovation fully operational


(c) to enhance the business of innovative product development and design, sales and service levels, innovation and efficiency to achieve the maximum
3. To develop off-balance sheet business innovation. China's commercial banks should be limited in the sheet within the business, make full use of their information, networks and personnel, and other areas, active and innovative business lines, to seize market share. One is to raise foreign exchange, settlement business service efficiency, to keep existing market share; the second is the rapid increase in the range of services agency business, expand business; third is to develop leasing business, to carry out the actual situation leaseback leases, operating leases, leveraged leasing, etc.; Fourth, to actively carry out various consulting services, use of professional advantages and evolving information networks of enterprises and individuals to carry out the asset management, liability management, risk control, portfolio design and family financial management and other advisory services.
innovative business should be conducted first,[link widoczny dla zalogowanych], the traditional business, based on traditional commercial banking business innovation extension of business or existing business, to carry out many innovative services rely on traditional business, traditional business there is no innovation without business. If we ignore the consolidation and development of traditional business to carry out business innovation, then lost the foundation for business innovation, business development and innovation should also continue to consolidate and expand its traditional business, and to promote the development of traditional business innovation business development, the formation of traditional business and innovative business interaction and a virtuous cycle, implementation of traditional two-way business and innovative business promotion and common development. The second is to insist on improved business innovation, adaptation and expansion of the combination of drawing on innovation and the introduction of foreign business to the actual situation in our country, learn from each other, should not completely copy that have been developed according to market demand for innovative business development and change of continuous improvement and improve, adding new content, new features, enhance comprehensive benefits. Third, business innovation and reasonable competition in the same time pay attention to mutual cooperation.



China's Commercial Bank Business Innovation Research


[Abstract] With the global economic development, commercial banking business innovation has become an important part of the international banking industry, but at the same time, a series of business innovation brings the potential risks become more prominent. Therefore, we must increase research efforts on business innovation, while avoiding disadvantages to explore the feasibility of the program, and guide the development of business innovation in the right direction. Today, active development in the world of financial innovation, and to the financial industry and the world economy had a profound influence, the practice in the process of financial innovation created an unprecedented new tools, new technologies and new markets, which largely revolutionized the traditional business activities and mode of operation, changes in financial volume and structure to promote the financial and rapid economic development. Based on business innovation in financial innovation the core of which, this article will focus on innovation and our commercial banking business issues.

1. Personal financial business. Personal financial services offered by commercial banks on the personal financial assets through restructuring and re-use and allow it to increase the value of new business,[link widoczny dla zalogowanych], is a commercial bank focused on business innovation and business competition in the hot spots. Currently we should focus on the following three tasks: first, to increase science and technology, to develop convenient and efficient means of payment, payment methods and strive to improve the level of automation and electronic, to meet customer demand. Second, the pilot micro-finance business, and actively carry out the assessment of personal credit, credit review and credit control, research, gradual development of micro-credit business personal (private cars, home mortgages, etc.). Third, expanding personal financial services, offering integrated financial traders, such as households, telephone banking, investment consulting, safe deposit box and other services.

Finally, we must attach importance to innovation and product service. Innovative products, service is an important part of business innovation, state-owned commercial banks, innovative products sold in Nigeria, pay attention to follow-up investigation and quality improvement, to provide comprehensive after-sales service, and customer suggestions and complaints accepted by the establishment of effective and efficient channel processes. Done well can enhance customer service affinity, stability and old customers, win new customers, both as a summary of the previous round of sales is often the beginning of a new round of sales, commercial banks can promote innovation and improve the service business is booming .


(b) focus, focus on three aspects of the development of innovative business
2. Efforts to improve the level of liabilities of business innovation. First, business innovation in the capital, to address the capital adequacy ratio of commercial banks to lower, especially in supplementary capital too low, in addition to better efficiency, stable operation, the scale of larger banks through public listing, to increase their investment or M & A mode of operation of capital increase the share capital, the more important long-term financial bonds through the issuance of subordinated capital increase, supplement the shortage of capital. Second, innovation in the deposits, first and foremost task is to deposit tools and operational instruments for innovation. To develop an income bank. Corporate banking and Internet banking, the introduction of high taste, versatile financial tools,[link widoczny dla zalogowanych], advanced means of payment transfers can provide a full range of convenient services to help stabilize the existing customer base and increase deposits.

in the current Innovation of the state-owned commercial banks, lack of motivation and lack of innovation in non-state bank incentives and innovative protection measures, the reform of the institutional arrangements inherent in creating a favorable external environment has become the promotion of innovation and development of commercial banking business the only way. Specific policy measures are: (1) through the form of joint-stock reform, improve corporate governance of state-owned commercial banks, the structure of modern corporate governance structure by the effective resistance from the parties on commercial bank intervention and pressure, so that a truly commercial bank profitability To achieve the objective of self-management, enhance the sense of innovation. (2) reduce the bank's policy of non-state barriers to entry and encourage competition in the market. Market competition can stimulate business innovation flourish in the current situation of insufficient competition in the financial industry, the industry should continue to relax access restrictions, to encourage private banks and foreign banks, the establishment and development. (3) to actively promote the process of marketization of interest rates, the current can be implemented by the People's Bank base rate, floating rate commercial banks to decide to allow differential pricing policies. (4) develop specific measures to encourage innovation, increase business innovation protection. The People's Bank and the proposed establishment of commercial banks within the Innovation Fund, to encourage innovation behavior, the People's Bank regulators can also be used franchises, patents and other measures to protect business innovation. (5) and expand the range of innovative services market access to follow to encourage, regulate and control the risk principle, in favor of capital to expand business tool for financial, insurance tools, bond tools to access, especially to encourage commercial banks to develop consumer credit operations, asset securitization business and personal financial services business and other fields of innovation.
3. Offshore financial business. This is a commercial bank in China's financial activities across national boundaries, is to adapt to financial globalization and innovative business activities. Commercial banks currently have the strength of offshore businesses, Industrial and Commercial Bank, Bank of China, Construction Bank, Agricultural Bank, Bank of Communications, China Merchants Bank and a number of commercial banks to place among the world's largest banks 1000 list, the development of offshore financial services has a solid foundation. Offering offshore financial services, the establishment of offshore financial markets, is to promote cross-border operation of commercial banks in an effective way. China's commercial banks should be based on current conditions, choose to separate the domestic financial market and the offshore financial market-based approach, in the domestic and offshore financial business financial business under the premise of split treatment, allowing a certain proportion of offshore funds into the account, to meet the domestic needs of foreign capital in economic development.

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