Choose a bank near you and analyze its external environment. Write an analysis report within 1,000 words.

Name of corporate institution: China Commercial Bank Lanzhou Branch

Address: (the address of a commercial bank you are familiar with)

Business projects: citizen business, corporate business, Loan business, international business, customer service center 96368, personal financial management business, certificated treasury bonds

Financial strength: The business department of ICBC Gansu Branch (formerly Lanzhou Branch) currently has more than 3,000 employees and has 10 urban areas Sub-branches, 4 county branches, 51 branches (business offices), and 194 savings offices provide settlement and cash services to 24,000 enterprises and institutions, provide a package of financial services such as credit to more than 1,200 industrial and commercial enterprises, and provide 20 Personal financial services are provided to residents of Yuhu.

In recent years, in accordance with the management requirements of commercial banks, we have actively and steadily promoted institutional reform and transformation of operating methods, strengthened operating management, strived to improve operating efficiency, strictly guarded against financial risks, adhered to compliance operations, and followed a connotative approach. The path of intensive development integrates various types of comprehensive financial services such as deposits, loans and exchanges, international business, real estate, credit cards, agencies, and consulting, and develops into a state-owned commercial enterprise with complete businesses, leading technology, and safe and fast financial service methods. The bank has made due contributions to the healthy, stable and rapid development of the national economy in Lanzhou. Analysis of main macro-environmental factors, competition characteristics, competition intensity, competitors and competitive strength:

Commercial banks need to improve the external environment in four major aspects, including tax system, interest rate and fee system, taxation system, etc. credit system and creditor legal protection.

The current tax burden on banks is too high, and the tax treatment for write-off of bad debts is unreasonable. Overall, the current tax system is not conducive to the current stable operations of banks and the accumulation of bank capital.

Under the current tax system, the government has withdrawn too much funds from banks, and the banks' non-performing assets have increased, forcing the country to pay back to the banks. Therefore, bank tax policies should be adjusted to meet the needs of bank reform. In terms of interest rates and fees, since banks themselves have no pricing power, asset risks are difficult to hedge. Rates and interest rates have an implicit substitution relationship with each other. If rates are marketized, interest rates will also be marketized, and the two will compensate for each other. However, at present, these two variables are all administratively determined, which will lead to the deposit-loan gap once Zooming in, banks are immediately inclined to lend more.

In terms of the construction of the credit reporting system, the current credit reporting system is not sound enough, and the credit reporting system needs to be unified by the government. There is currently no infrastructure that can provide the external information that banks obtain when making loan decisions.

Although the new bankruptcy law has improved the protection of creditors, it still has shortcomings. For example, in terms of which comes first between mortgage loans and labor claims, from a bank's perspective, existing laws, especially the judicial system of local protection, do not provide enough protection for creditors.