A Study On The Problems And The Countermeasures Of Development Of Shandong Sheng Tai Bank

With the urbanization process accelerating and banking competition is becoming increasingly fierce, community banks become an important way to small and medium-sized banks deus ex. Under such a background, Shandong Shengtai Rural cooperative banks positive change development idea, adapt to the history of the development of positive trends in the development of community banks. Basis on the study of domestic and foreign research status, with experience of foreign community bank and cash, combined with the development status of Community Bank of Bank of China, using the method of literature review, on-the-spot investigation method, the questionnaire method of Shandong Shengtai Rural cooperative banks, community banks, on the development of in-depth research and analysis. Analysis, Shandong Shengtai Rural cooperative banks in the development of community bank has its pros and cons, favorable opportunity costs include: market positioning accurate and has a good customer base and larger market share, has a flexible operation mechanism; analysis of advantages including: cultural advantage, geographical advantage, information advantage, management advantage, scale advantage. Negative on the one hand threat analysis includes the participation of new financial instruments intensified the competition in the banking industry, electronic channels development and pose a huge threat to the community banks; disadvantages include: understanding of community banks enough, lack adequate understanding of the financial needs of community residents, lack of the support of relevant departments, lack of scientific and technological innovation capacity.Shandong Shengtai Rural Cooperative Bank current predicament mainly concentrated in terms of policy: lack of monetary policy support, support the efforts of the government is not enough; management: the lack of sufficient funds, profit ability drops and management difficulties. In view of the difficulties faced by the development of community bank, Shandong Province and Taiwan Rural Cooperative Bank also made full preparation for: survey dislike for financial services, daily consumption of pre investigation, community residents tool of the Internet pre investigation, community residents to expect the community banking model abandon investigation. Shandong Shengtai Rural Cooperative Bank development community banks of four positioning is presented based on the analysis of the development of community bank development strategy: Location: Based on the Jining local, function: to provide professional, personalized service, customer orientation: small and micro enterprises, residential customers, high value customer groups, product positioning: personal credit business, small and micro enterprise credit business, community financial intermediate business, and based on this, proposed the safeguard measures of community bank development: actively seek the support of government departments; optimization of layout of the network of community bank management professional personnel training; cultivating advanced enterprise culture of the community bank.Based on the present situation of our country’s economy and economic development of Jining, combined with the analysis of the development strategy of Shandong Shengtai Rural Cooperative Bank, discusses the corresponding countermeasures for Shandong Shengtai Rural Cooperative Bank Development of community banks, in an attempt to provide a reference for Shandong Shengtai Rural Cooperative Bank Development Community silver line, which is the purpose of this paper and significance.