A Study On The Development Strategy Of Hua Rong Xiang Jiang Bank

With the deepening of the reform of the banking sector, and the listing of the joint-stock reform of state-owned commercial banks, a large number of foreign banks to enter the context of the reform of rural credit cooperatives preferential policies to accelerate the upgrading and improvement of their own quality of competition makes the competition in China’s bankingsteering the strategic level, relying solely on the homogeneity of the product and the service has been unable to win in the competition. The majority of city commercial banks how to seek a more rational market positioning and scientific development mode, how to formulate development strategies suited to their own conditions is a major issue for all city commercial banks have in-depth thinking. Currently, the Huarong Xiangjiang bank is in the development of major transition, these transformations is mainly reflected in:from local commercial banks operating in a single area to regional commercial banks operating in multiple regions; from extensive management, relationship marketing, homogeneous competition to professional management, integrated marketing, differentiated competition, the establishment of core competitiveness, sustainable business model shift. Therefore, the Huarong Xiangjiang bank needs to adapt to the external environment and internal conditions change, the actual objective analysis of the development of the industry environment combined with the existing resources of the enterprise, a clear market positioning, and work out a development strategy to adapt to market demand, and through targeted measures to to ensure the realization of the strategic objectives.The use of modern strategic management theory, Research on the development strategy of city commercial banks summarized; Huarong Xiangjiang Bank, for example, Huarong Xiangjiang Bank’s internal and external environment analysis and Huarong Xiangjiang Bank summed up face the opportunities and threats, as well as the strengths and weaknesses using SWOT analysis method to study the bank’s strategic objectives and development plans; Finally, the from adjust organizations, capital introduced, building a state-of-the-art science and technology management system, the establishment of a strict risk management system levels Huarong Xiangjiang Bank’s strategy for the implementation of measures and safeguards. Hope to play a certain referential significance to the development of the domestic city commercial banks.