In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium ent...In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium enterprises and individuals to provides financing services. Generally need to use e-commerce professional network platform lending to help both sides to establish lending relationship and complete the related formalities. Traditional commercial banks need reform to keep up with the novel financial tools related to the Internet financing which will be discussed below.展开更多
At the beginning of this paper,the development process of intermediate business of commercial Banks in China was introduced.Taking bank H as the research object,the annual report data of bank H in the past 8 years(201...At the beginning of this paper,the development process of intermediate business of commercial Banks in China was introduced.Taking bank H as the research object,the annual report data of bank H in the past 8 years(2010-2017)were collected as the basic data.First,it analyzes the growth rate and trend of the development of intermediary business of bank H,finds out the problems existing in the development of intermediary business of bank H and explores the reasons for the problems.Then,PEST analysis method and porter's five forces model are respectively applied to analyze the development environment of intermediate business of bank H.Finally,based on the above analysis,the author proposes substantial and individual solutions to the existing problems,such as channel extension strategy,market segmentation strategy and market independent pricing strategy.展开更多
Since the establishment of the reserve against deposit system in China, theorists have different views about it. After analyzing some of those views, this essay proposes that presently, it is inappropriate to cancel t...Since the establishment of the reserve against deposit system in China, theorists have different views about it. After analyzing some of those views, this essay proposes that presently, it is inappropriate to cancel that system, and the rate of the required reserve should be reduced instead of being removed. With the analysis, the author points out the defects of that system, and makes a further study of that system's influence on the sustainable development of the commercial banks in China. In the last part, from several aspects, namely, the institutional environment, the rate of required reserve, the structure, and the mode of calculating and drawing money, the author offers some suggestions for the perfection of China's reserve against deposit system, and the acceleration of the sustainable development of commercial banks.展开更多
文摘In this paper, we conduct research on the reasonable strategy of the development of commercial banks under the perspective of P2P Internet financial risks. P2P financial model mainly for China＇ s small and medium enterprises and individuals to provides financing services. Generally need to use e-commerce professional network platform lending to help both sides to establish lending relationship and complete the related formalities. Traditional commercial banks need reform to keep up with the novel financial tools related to the Internet financing which will be discussed below.
文摘At the beginning of this paper,the development process of intermediate business of commercial Banks in China was introduced.Taking bank H as the research object,the annual report data of bank H in the past 8 years(2010-2017)were collected as the basic data.First,it analyzes the growth rate and trend of the development of intermediary business of bank H,finds out the problems existing in the development of intermediary business of bank H and explores the reasons for the problems.Then,PEST analysis method and porter's five forces model are respectively applied to analyze the development environment of intermediate business of bank H.Finally,based on the above analysis,the author proposes substantial and individual solutions to the existing problems,such as channel extension strategy,market segmentation strategy and market independent pricing strategy.
文摘Since the establishment of the reserve against deposit system in China, theorists have different views about it. After analyzing some of those views, this essay proposes that presently, it is inappropriate to cancel that system, and the rate of the required reserve should be reduced instead of being removed. With the analysis, the author points out the defects of that system, and makes a further study of that system's influence on the sustainable development of the commercial banks in China. In the last part, from several aspects, namely, the institutional environment, the rate of required reserve, the structure, and the mode of calculating and drawing money, the author offers some suggestions for the perfection of China's reserve against deposit system, and the acceleration of the sustainable development of commercial banks.
