Nowadays, papers are often used to refer to articles that conduct research in various academic fields and describe academic research results, which are referred to as papers for short. The following is my research paper on the management of commercial banks. Let's have a look.

Commercial bank management research paper 1 1. Problems existing in the management of commercial banks

(1) The internal control mechanism of banks is not perfect, and it is not in place to avoid bank risks.

A sound internal control mechanism of banks can effectively avoid bank risks. In recent years, financial events in China have shown that there are problems in the internal control mechanism of commercial banks in China, which have caused huge losses. Establishing and perfecting the internal control mechanism of commercial banks in China is the key to the development of banks. Most banks have internal control rules and regulations formulated according to their own development characteristics. However, under unreasonable incentives and constraints, when the power of branch presidents is too large, the corresponding supervision mechanism cannot be carried out smoothly, and when the level of electronic control is low, the internal control mechanism of commercial banks cannot play a good role, which hinders the ability of commercial banks to avoid risks.

(B) backward management methods, unable to meet the needs of enterprises

Although China's commercial banks have also implemented asset-liability ratio management under the international influence, the implementation is not good. Many banks absorb more deposits, but ignore the cost, which is completely different from the effect achieved by foreign banks in pursuing efficiency. This kind of backwardness in management leads to the imperfect management mechanism of commercial banks in China, which can not play a good role and is at a disadvantage in the competition.

(C) the restrictions on commercial banks caused by the separate business model

In order to reduce the risk, China's commercial banks have implemented the paging business model, but this mode has limited the development of China's commercial banks. This paging business model makes it difficult for Chinese commercial banks to meet the international level of financial products and business services required by enterprises, and also makes some enterprises choose foreign banks as their support.

(d) The professional level of employees is not high, which is easy to cause risks.

Many bank staff simply complete the digital task, thinking that as long as they complete the task, they can ensure the development of the bank. Ignoring the role of staff quality in promoting overall development.

Second, the management countermeasures of commercial banks

(1) Establish and improve an internal control system suitable for the development of banks.

In the management reform, it is an inevitable trend for commercial banks to establish and improve the internal control system. The rights of branch presidents should be properly controlled, and the presidents should be clear about their responsibilities and not blindly exercise their rights. It is necessary to strengthen the construction of the internal control system of sub-branches and make the internal control of sub-branches gradually scientific through a series of methods.

(B) change the mode of operation and management, improve competitiveness

The fundamental purpose of commercial banks is to make profits. Therefore, under the trend of this goal, we should constantly reform the economic management system, use modern management technology, strengthen the use of computer technology, carry out fine division of labor, systematically train banks from top to bottom, improve the management concept of employees and enhance the competitiveness of banks. To change the management mode, we must actively absorb the beneficial experience from abroad for our use and innovate constantly.

(C) improve the overall quality of employees

It is necessary to strengthen the ideological education of employees, improve the quality of employees, conduct systematic and targeted training according to their work characteristics, clearly define the working banks, make the positions of banks be specifically implemented, and find out the post responsibilities. It is necessary to implement a management mechanism with rewards and constraints for employees, so that employees can realize the importance of job responsibilities, check their knowledge and skills regularly, give full play to their strengths, and seek the development of banks.

Third, the conclusion

The development of commercial banks plays a positive role in promoting the development of the whole financial industry in China. Under the background of economic globalization, China's commercial banks are weak in competitiveness and can't keep pace with development. Strengthening the management of China's commercial banks can avoid some financial risks and greatly improve their own development and ability to participate in international competition.

Abstract of research papers on business management of commercial banks 2 pages

With the continuous development of mobile Internet, cloud computing and big data mining technology, the application of big data in the banking field is deepening. Based on the era of big data, this paper studies the application status and existing problems of big data in commercial banks. Through SWOT analysis, this paper analyzes the advantages, disadvantages, opportunities and challenges of commercial banks, finds out the problems existing in bank management in the emerging stage, and puts forward strategies to optimize the management of commercial banks from four aspects: precision marketing, customer relationship management, risk control and user credit management.

key word

Big data; Commercial banks; Business strategy

1. Characteristics of Big Data Application in Commercial Banks

In 20 17, the People's Bank of China and China Banking and Insurance Regulatory Commission respectively proposed in the 13th Five-Year Development Plan for Financial Informatization in China that commercial banks should introduce new technologies such as big data, promote the construction of big data infrastructure, accelerate the innovation of banking business and strengthen the risk control capability. Big data has been promoted to the national strategic level, and its application in the banking industry has achieved certain results [1].

Large data capacity. The long-term business development of China's commercial banks makes the banking industry "naturally" have massive data. The main data of commercial banks are structured data generated around counter business system, credit management system and risk control system. The electronic financial service system launched by commercial banks makes some unstructured data information begin to be generated, including fingerprints and face recognition. The data structure is complex, and the development of mobile Internet promotes the explosive growth of semi-structured and unstructured data. Data is capitalized and has great use value. Commercial banks require high accuracy of data in their steady operation. They should make good use of the existing massive data of banks and apply them to different scenarios such as customer identification, risk identification and product marketing to better realize the value-added of data assets.

2. SWOT analysis of business strategy of commercial banks based on big data application.

2. 1 has strength.

Advantages of cost control. With the development of information technology, commercial banks can realize the automation of existing business processes, greatly reduce the number of staff in physical outlets and reduce the operating costs of banks. With the improvement of cloud computing capability and the maturity of technology, all the data in the cloud computing system are stored in the "cloud" side, which reduces the cost of IT infrastructure construction and unit data storage and processing.

Advantages of marketing efficiency. Through the deep mining of their massive data, commercial banks portray customers from three levels: static characteristics, behavioral characteristics and tendency prediction, build a customer system and accurately push marketing activities. By analyzing the relationship between upstream and downstream customers, we can understand the business exchanges between customers, explore new potential customers, determine cross-selling targets, and improve customer service efficiency and marketing accuracy.

Advantages of risk management. Banks have accumulated rich experience in traditional risk control, providing a relatively mature basic environment for the mining, transmission, storage and security application of big data. Technologies such as big data and artificial intelligence are applied to wind control as risk control tools to improve the efficiency and accuracy of wind control.

2.2 Weakness (Weakness)

Homogenization of business. The main profitable business of commercial banks in China is loan business, and there are few special products designed and developed for customer needs. Therefore, the application scope of big data can go deep into other profitable businesses, such as the intermediary business of the banking industry. Make use of the advantages of big data to identify the bank's own business positioning and create a differentiated competition model.

Data enjoyment is not high. All commercial banks have their own systems. For their own interests, there is almost no sharing mechanism, which leads to low efficiency of big data infrastructure, low data utilization rate and overall lack of systematicness. All banks can only paint the portrait of customers' transactions in their own banks, but can't show the financial panorama of customers.

2.3 Opportunity

Strengthen the advantage. The traditional advantages of commercial banks such as security, stability and integrity can be further consolidated and strengthened through the application of big data. Further use big data in risk management to improve the security of banks themselves. In marketing, constantly improve customer portraits, understand the real needs of customers, and achieve precise marketing. In terms of cost control, with the continuous maturity of big data technology, labor costs, equipment costs and operating costs will continue to decrease [2].

Innovation of financial products. In the era of big data, the banking industry continues to innovate products to meet the individual needs of customers. This requires in-depth understanding of customers' core needs, using big data to build data models, customizing financial products belonging to consumers themselves, and improving users' experience satisfaction.

2.4 threats (threats)

The competition between the banking industry and internet finance enterprises has intensified. With the rapid development of information technology, Internet finance presents an explosive development trend. Internet financial model has the characteristics of high capital allocation efficiency, low transaction cost, convenient payment and universal benefits. Internet companies have accelerated the layout of the financial industry, which has impacted the core business of the entire banking industry and squeezed the profit space that originally belonged to the traditional banking industry.

Data security issues. First of all, with the development of Internet technology, the substantial growth of data leads to serious data distortion, and a large number of disorderly and inefficient useless information is mixed into the database to form junk data, which increases the risk of information misreading. Secondly, the use of cloud platform by commercial banks is accompanied by certain risks: first, there may be loopholes in network systems and storage centers, which may lead to technical security risks; The second is the risk of massive customer information and personal privacy information leakage.

3. Commercial bank management optimization strategy based on big data application

3. 1 Precision Marketing

Big data applications emphasize the potential value of relationship release. Commercial banks have massive data, so cluster analysis can be used to explore the potential characteristics contained in more data and help commercial banks segment the market. Through the association analysis in big data mining, we can explore new potential customers and determine cross-selling targets. Big data continues to promote financial product innovation. Commercial banks provide customers with differentiated services and customized prices through big data mining. According to the analysis and prediction of massive data, the corresponding strategy model is established to grasp the consumption habits and behavior characteristics of customers and realize innovative marketing, seamless multi-channel sales and personalized service [3].

3.2 Customer Relationship Management

The homogeneity of commercial banks is serious, and customer management is very important. Under the background of Internet, financial disintermediation is accelerating. Fragmented financial products seize the market demand, provide differentiated products and deprive banks of customer resources. Therefore, using big data mining method can provide more accurate customer relationship management for commercial banks. Commercial banks can form cooperative relationships with other industries or big data companies, obtain data such as customers' travel and trading habits, and score customers' credit. Commercial banks use artificial intelligence to make judgments when customers make demands. Commercial banks can also use big data to more accurately predict the probability of customer churn, and implement customized customer retention measures for customers who correspondingly exceed the threshold of customer churn probability [4].

3.3 Risk control

As a high-risk industry, risk control is the basis of its survival and development. Expand the data sources of traditional commercial bank risk management through big data technology, process semi-structured and unstructured data, build a big data risk management platform, and comprehensively collect customer data. Pay attention to the integration of internal and external data, integrate the financial information accumulated inside the bank, and obtain external data or public information at the same time, reduce the degree of information asymmetry and enhance the risk control ability. To establish a risk management model, we can learn from the practices of domestic and foreign counterparts, design a model that meets the actual requirements, carry out training according to the actual situation, input actual data for model training and verification, reasonably improve the configuration parameters of the model, and improve the accuracy of the model [5].

3.4 Credit management

The credit risk management of commercial banks has a great influence on the loan decision of commercial banks. Commercial banks should build a combination of labor and data, use big data mining technology to gather internal and external information resources, form a real-time monitoring, analysis and early warning control network covering all institutions, all customers and all products, and improve the early warning level of credit risk. Using big data to realize the whole process management of loan business before, during and after lending. Strengthen the risk identification before lending, and accurately judge the possible default risk of customers in advance by relying on the credit database, rating system and anti-fraud platform at the customer approval stage; Strengthen the autonomy of loan approval, and the big data credit approval system is mainly based on automatic review of the risk control scorecard model, supplemented by manual review; To strengthen post-loan risk monitoring, commercial banks should establish a multi-dimensional daily monitoring index system of credit risk such as credit supply and asset quality.

refer to

1 Han Xuefeng, Zhu Qing, Ma Wenjie. Research on Security Risk Prevention of Commercial Banks Applying Big Data [J]. Jiangsu Business Theory, 2017 (11): 88-92.

2 Qi Zhu Gui and Qi Yuanbo. Research on big data analysis of commercial banks in the era of big data [J]. Financial circles, 2019500 (01):128-129.

Qu Bo, Wang Yuchen and Yang Yunsen. A Study on the Coping Strategies of Traditional Commercial Banks under the Impact of Internet Finance —— Based on SWOT Analysis [J]. Western Finance, 2015 (1): 41-45.

4 strict. Thinking and Analysis on the Application of Big Data in Commercial Banks [J]. Fujian Computer, 20 14(7):68-69.

5 Faith, faith and righteousness. Research on the application status and development of big data in commercial banks [J]. China Financial Computer, 20 16(8):26-28.

Abstract of three research papers on commercial bank management

With the rapid development of economic globalization and the expanding opportunities of reform and opening up, all walks of life in China have developed rapidly, among which the development of banking in China has attracted worldwide attention and made many significant progress. However, opportunities and challenges usually coexist. With the rapid development of the banking market, the competition among commercial banks is becoming increasingly fierce. Therefore, China's commercial banks are also facing many challenges. For example, there are still many risks and shortcomings in the operation and management of commercial banks, and the relevant operation and management systems have not been established and improved in time. If commercial banks want to occupy a place in such fierce competition, they must predict and guard against the existing or potential risks in their operations. Based on the analysis of the present situation of commercial banks' operation and management, this paper draws lessons from some successful experiences and puts forward the risk prediction and prevention strategies.

key word

Precautionary measures for management risks of commercial banks

I. Risks existing in the operation and management of commercial banks

(1) The non-performing loan ratio of banks is relatively high.

There are many risks in the operation and management of banks, but the risk of bank assets quality mainly affects the operation of banks. The quality of loans plays a key role in asset quality, and most of the risks existing in many banks are caused by non-performing loans. According to the statistical data in recent years, compared with major foreign commercial banks, the non-performing loan ratio of China commercial banks is still high, so it can be concluded that the non-performing loan ratio is still one of the main reasons for the asset quality risk of China banks.

It is difficult to accurately evaluate the repayment ability of different types of enterprises, which brings difficulties to the issuance and recovery of bank loans. For some enterprises with strong business ability, large scale and relatively strong strength, the vast majority of these enterprises have already qualified for listing and have a stable position in related industries. Therefore, it is very popular in the lending of commercial banks, and banks are also willing to lend to it. However, the relative economic benefits of some enterprises are not ideal, and the loans to banks cannot be returned in time, which causes the crisis of bank credit funds and restricts their liquidity. In recent years, due to the decline in economic growth, the profitability of a large number of enterprises has declined, which has had a certain adverse impact on the loan quality of commercial banks.

(B) the overall quality of employees is not high

In the risk of bank management, employees are the main operators. However, due to the lack of comprehensive quality and learning level of many employees, it has also become one of the main factors affecting the operational risks of banks. The overall level of employees is a direct factor affecting the competitiveness of enterprises. However, the comprehensive quality of bank employees in China can not meet the needs of banking business development. What's more, some employees lack professional ethics and use their personal positions to seek or infringe on the interests of banks. At the same time, there are illegal acts such as embezzlement and corruption, which have a negative impact on the development of banking business. Secondly, the personal working level and experience of bank employees are insufficient, the demand for management positions can not be met, and they lack the vision of long-term development, and they can not cope with the risks that appear at any time, which has become a factor hindering the development of banks.

(C) personal credit system is not perfect

One of the influencing factors in bank management is the imperfection of personal credit system. Personal credit is an important part of banking business. In order to make personal credit be returned in time, banks generally have to review the personal credit of lenders, and some customers with bad personal reputation will not agree to their loan requirements. However, judging from the auditing process of personal credit in banking business, the common problems are that the auditing of personal credit is not strict and the related loan credit management system is not perfect. At present, all kinds of information and identity certificates related to lenders in the credit system can no longer truly and effectively reflect the credit situation of lenders. The personal credit system is not perfect, which leads to the lender's disposable funds, mortgaged assets or income can not be fully grasped, or the lender has some forged information. The imperfection of personal credit system eventually leads to the failure to recover bank loans in time within the specified time, thus affecting the overall operation system.

Two. Preventive strategies in bank management

(1) Optimize asset allocation and reduce the non-performing loan ratio.

Optimize asset allocation, thereby reducing the non-performing loan ratio. This can not only reduce the probability of bank risk outbreak, but also promote the development of banking business. First of all, to improve the quality of assets, it is necessary to improve the operating level of capital. It is necessary to scientifically set up medium and long-term loans in banking business to ensure the liquidity of banks. Secondly, strengthen the innovation ability of financial technology, apply big data, cloud computing and other technologies to the loan process, collect and analyze all kinds of data, so that banks can accurately understand all kinds of information in the loan process and reduce the non-performing loan ratio. Finally, take corresponding measures to curb non-performing loans, strictly control payment review, loan issuance, loan issuance and other procedures, strengthen credit loan management, and promote bank operation progress and banking business development.

(B) improve the overall quality of employees

The comprehensive quality of employees has an indelible connection with the smooth development of banks. According to this actual situation, banks should attach importance to the comprehensive quality of employees, improve their comprehensive quality, and build a high-quality and compound talent team. First, in the recruitment process, we should strictly examine and evaluate the comprehensive quality of talents, not only their professional ability, but also their professional ethics and moral level, so as to keep their enthusiasm for work, give full play to their initiative and actively take responsibility. Second, train bank employees regularly to provide them with opportunities to go out and learn advanced experience, so that their professional knowledge can be constantly updated and advanced experience can be accumulated. Third, in the ever-changing financial market, banks will also change accordingly. Therefore, employees are required to grasp the market conditions in time, broaden their horizons through the analysis of market conditions, and improve their sensitivity to risks. Fourthly, in order to improve the comprehensive quality of employees, it is necessary to assess employees regularly and strictly control their behaviors, which will help to form a good learning atmosphere and promote the progress of employees' comprehensive quality.

(3) Establish and improve the credit system.

Establishing and perfecting the credit system plays a key role in promoting the operation and management of banks and is also a necessary guarantee for the good development of credit business. In the process of loan business, whether the credit system can be established and improved plays an important role in promoting the credit review of lenders. First, banks should improve the credit review link in the credit business, strictly control the workflow, and conduct accurate and strict inquiries on the information of lenders to ensure the accuracy of their information. Second, in the process of establishing and perfecting the credit system, bankers are required to give specific guidance on the information filling of lenders in their work, and give clear hints, requiring them to fill in all relevant information of credit loans, including detailed information such as their mortgaged assets, income sources, overall funds, and loan fund uses. Third, the bank should carefully check the information filled in by the lender in the later stage and follow it regularly to ensure the integrity of the credit system and reduce the potential credit risk.

Third, the conclusion

While economic globalization promotes the development of Chinese banks, the competition among Chinese banks is becoming increasingly fierce. Under the influence of various risk factors, there are also various risks in the management of banks. In the operation and management of commercial banks, the existence of risks is an unavoidable problem. Therefore, banks should take various measures to solve existing or potential risks or predict in advance to effectively avoid risks. Only by improving the sensitivity of risk awareness can we calmly face the emerging risks, thus enabling banks to develop smoothly and contribute to the economic development of China.

;