The Research Of Credit Allocation Based On County Blue Ocean Strategy By Agricultural Bank Of China Heilongjiang Branch

Agricultural Bank of China to support the county's economic development, not only implement the central spirit of the Agricultural Bank, the implementation of national rural financial policy, and solve the "three rural" issue of the objective requirements, but also enhance the competitiveness of the Agricultural Bank an important way. Meanwhile, the county is still the market for our country, the market is not fully developed, as opposed to the city has been very competitive market, the county market has huge development potential, the use of the Agricultural Bank has been inherent in the network, the network edge, this can open up film market, therefore, to develop the county blue ocean, the effective use of existing resources to maximize loan proceeds into the Agricultural Bank dominate the market, improve the market competitiveness of the important means. Heilongjiang Province, from the Agricultural Bank of China and even the scope, how to market characteristics for the effective allocation of the county line of credit there are still insufficient.This article first Blue Ocean Strategy and the Agricultural Bank of county in Heilongjiang province analysis of the economic characteristics, combined with geographical advantages and the County of Heilongjiang financial markets, the present situation of the Agricultural Bank of characteristics with the Heilongjiang Province, and in accordance with the actual "County Blue Ocean Strategy" plan. Branches in Heilongjiang Province, according to credit status and configuration of its shortcomings, combined with full capital management mode internal funds transfer principle of deposit and lending rates continued to rise in the phase of interest rate risk faced by the Agricultural Bank, the Agricultural Bank to find suitable variety of credit and appropriate increase in the amount of such credit products. Finally, relying on the advantages of Agricultural Bank of china and the economic characteristics of Heilongjiang Province, made meaningful scheme of credit lines and the corresponding supporting means for the implementation of countermeasures.