PBESProceedings of Business and Economic Studies2209-26412209-265XBio-Byword Scientific Publishing Pty. Ltd.10.26689/pbes.v8i4.11897ArticleResearch on the Development Direction of Commercial Banks’ Corporate Business— Taking A Commercial Bank as an Examplehttps://artdesignp.com/journal/PBES/8/4/10.26689/pbes.v8i4.11897HuaWenlong2025842025-09-10Against the backdrop of the gradual deepening of interest rate liberalization, the decline in effective credit demand, the intensification of competitive involution among commercial banks, and the complex international economic and trade situation, commercial banks in mainland China have entered a stage of low interest rates and narrow interest margins. Coupled with the continuous exposure of risks in retail customer groups and small and micro enterprises, many commercial banks have chosen to phase in expanding and strengthening their corporate business segments to smoothly navigate economic cycles and enhance operational resilience and sustainability. How the corporate business segment optimizes its asset-liability structure through asset allocation to achieve high-quality development is a major issue worthy of consideration by the entire industry. From the perspective of a medium-sized national commercial bank, this paper explores and proposes four key basic customer groups, six asset allocation models, and fourteen key industries for layout, for reference, and research.

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