A Study On The Development Strategy Of Commercial Banks In Dali - Yu Village

At present, financial system in Chinese rural areas is unsound. Low coverage ofoutlets, insufficient supply of financial resources, inadequate market competition andother issues are prominent. To deepen the reform of financial system in rural areas,the CBRC introduces incremental dominant factors, leading covenant-tile, diversifiedfunding sources and flexible equity governance structure village banks to ruralfinancial markets. The establishment of village banks is an effective way ofdeepening reform of rural financial system. It is the result of financial innovation inrural areas. To some extent, it will alleviate the contradiction between supply anddemand of financial services in rural areas. And it is one of the important issues inrural financial research subject.This paper combined macro analysis with micro analysis. At first, it expoundsthe theory of rural finance, the theoretical basis of forming rural banks and thesuccessful experience of overseas rural and community banks. Second, it analyzes thedevelopment status of Dali Chongqing Rural Commercial Bank, and summarizes thedevelopment advantages of rural bank. It proves that village banks can survive, andplay a positive role in the economy. Meanwhile, for internal and external problemswhich exist in Dali Chongqing Rural Commercial Bank, it finds out solutions. Finally,SWOT analysis method is used to analysis the strengths, weaknesses, opportunitiesand threats of rural banks. And put forward strategies which promote the healthydevelopment Dali Chongqing Rural Commercial Bank.