A Study On The Development Strategy Of Changsha City Commercial Bank

Changsha City Commercial Bank is the important constituent of the Changsha finance system. It is born in the special historical environment, and it's the conformity getting up in the city credit association's foundation. From started to set up on, it's entrusted with the mission of melting the city credit association risk, had the intense administrative color.After 10 years' development, Changsha city commercial bank, which was a small high-risk organization, has grown into a joint-stock company that has played an important role to local economy. However, for the historical reason, it leads to the assets quality poor, the capital insufficient seriously, and the sufficient rate of the capital low. At the same time, the staffs competence can not catch up with the need of development, the profitable assets are single, and the core business competition is not good, these above, which restrict the company to developing further. In such a case, Changsha city commercial bank need assess the variety of the external environment and the internal environment, which influence survival and development of the enterprise. After the right judgment and decision making to the company future, we should locate the development strategy, optimize the company resources and promote the company competition, according to these, and then we make the company development strategy.This paper makes the expansionary development strategy for Changsha city commercial bank, including general strategy, business strategy and functional strategy, after analyzing the macro-environment and the micro-environment, by the SWOT analysis. I hope all these can be helpful for the development of Changsha City Commercial Bank.