| Finance has become the hub of the modern economy and the lifeblood of its development related to the normal operation of a country’s economy. Over the years, the poor run of China’s rural financial system has a serious impediment to the normal economic development of rural areas, and thus the rural banking sector reform has become the focus of years of our strategic development. Rural commercial banks, as a product of the reform of rural credit cooperatives, in the deepening of reform continue to grow and develop, has become an important part in the rural financial system and support an important force in local economic development.Kun Shan Rural Commercial Bank(KSRCB)was established in Janurary Eighth2005, approved by the China Banking Regulatory Commission In December2004. From officially inaugurated has gone through only a short period of7years of history. For seven years, Kunshan Rural Commercial Bank has made remarkable achievements. From the rural credit cooperatives transformed from a rural commercial bank, basic straightening out property rights, establish a sound corporate governance framework, and results of operations in recent years has been at the forefront of the industry. However, in the external environment changing at the same time, it also exposed some problems. The drawbacks of the original system is not yet clear from the fundamental, small-scale capital, lack of talent pool, a single marketing channels such as weakness starting to show and restricting the speed and quality of its development. The same time, due to the inherent vulnerability of commercial banking, Kunshan Rural Commercial Bank also faced with the economic cycle fluctuations, policy uncertainty, the threat of intra-industry competition, the requirements of Kunshan Rural Commercial Bank to clearly identify its development orientation, considering their own situation, the same industry competition, market conditions, government intention to develop a clear its sustainable development strategy and the specific implementation of the program from a strategic height. To study the content, not only help solve the internal problems of Kunshan Rural Commercial Bank, and more conducive to the Kunshan Rural Commercial Bank for external competition.Specifically, the first section (Chapter Ⅲ, Chapters IV and V) yes the full text of an important part of to, the use of the SWOT analysis, model analysis, empirical analysis, combined with the data analysis the, charts Law, and and so on on research methods, research the the now find ourselves in by the Kunshan Rural Commercial Bank internal and external environment,and its as the advantages and disadvantages of the within the external existence of of the, but also analysis of the the the risk status of the In recent a few years, the Kunshan in rural areas and commercial banks and risk change state. And then against as analysis, above the author expounded the obstacle to of that exist on the in the Kunshan Rural Commercial Bank road of sustainable development, and put forward the the Kunshan in rural areas and commercial banks to the how to overcome the the its own and extrinsic the obstacles, to take a good the the the road of of sustainable the development of the recommendations of. The this proposal specific including that the actively build a the architecture of the a modern financial enterprise corporate governance, and strengthen the the internal control; to build the the processes Bank, to and recycling the competitive advantage; strengthen the management and marketing, improve operational ability to; the strengthening of financial innovation, promote scientific and technological the construction of; optimize the capital the operation of, perfect the incentive mechanism; improve network management, and careful cross-regional development. The third part (Chapter VI) is the conclusion, put forward his views on the future development trend of commercial banks in rural areas, summarize the conclusions in the research work proposed further study the issue. |
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