Building The Agricultural Bank In Bijie Into The Strategy Research Of Resource-based Bank

With the further developing of social economy, financial institutions is in the increasingly fierce competition. In the financial product homogeneity serious, characteristics of the relative lack of financial institutions, the financial needs of the new situation presents diverse, over the years to get rid of excessive competition of the "Red Sea" mode, choose their own "blue ocean" strategy needs Bijie ABC in full argumentation and deep thinking of the premise, combined with its own characteristics, strengths and resources of local policy conditions, weaknesses, according to local conditions and agree with resource endowments, to find a response to local economic characteristics, give full play to Bijie ABC resource endowments and comparative advantages on the road, continue to strengthen its value of creativity and core competitiveness, gradually formed its own operating characteristics and better development model.to build Bijie ABC into a resource-oriented bank which credit assets dominated in a certain period of time.Bijie, as the land of west corner, has not been fully opened because of history and geography. Bijie profits from the advantage of "test area", and is accelerating exploiting of self resources and inproving its utilization levels,efficiency of resource use and recycling to build unique new resource economics.Up to now,BiJie has obtained the economic and social healthy developments recently ten years,the increasing economy has become the growing stage in Bjjie, comparaing with2002.the total output value in Bijie increased from138.65hundred million to877.96hundred million,which the growth rate achieved533.22%;the revenue increased from17.24hundred million in2002to247.71hundred million in2012,which the growth rate achieved1336.83%.This paper is based on it, using the theory of economic management that EMBA learned,to seek a road which coordinate environmental protection and fit with government planning, as well as having capacity of competing in the peer.On the one hand, develop a mode in favor of transforming the agricultural bank itself of Bijie For a new round of market development to improve competitiveness.On the other hand, Play to the role of the bank on support local economic development to better support the development of local economy.Thirdly, a new developing will be made to afford lesson for financial institutions to market development adjust measures to local conditions. This thesis mainly divided into four parts:the first part include introduction,article topic background, research contents, methods and research logic, as well as the contribution of papers and shortcomings.the second part illustrates the infrastructure and conditions of the construction of resources bank from economic profile, Resource economic advantage, Favorable policy support, Rapid economic development and regional advantage.The third part is a comparative analysis between agricultural bank of Bijie and the whole city financing situation, which involves the bank’s general situation, the analysis of the bank business development in Bijie. The conclusion is that agricultural bank of Bijie has policy advantage,website advantage, personnel advantage and business development advantage. The fouth part mainly introduces theory basis supporting building resource-oriented bank and analyses to the feasibility of building resource-oriented bank.The final part is also the most important part, explaining to the construction of resources bank’s corresponding measures. It involves the expound of policy theory about building resource-oriented bank and involves the industry policy measure about building resource-oriented bank, and also involves instruction of talent team, establish the assessment mechanism,as well as about Enhancing its value creation and strengthen risk prevention requirements.In this paper, the innovation lies in putting forward the concept of "resource bank",(the traditional business has been attacked) which was raised in the situation of traditional business of the bank suffered greatly, and the bank usual business development mode has already cannot adapt to itself development and how finance service economy.This is a word fabricated, but raise it Combining the agricultural bank of Bijie own development after recognizing Bijie pilot area economic development situation and zone rich resources.In this analysis process, the empirical research and normative analysis combined with a focus on literature analysis, theoretical analysis and case analysis and other methods.Data mainly comes from government audit released data from our official website, Bijie agricultural bank as well as books and magazines, etc.In this paper, the theory support from comparative advantage of David Ricardo’s theory. A conclusion can be drawn that Bijie has a comparative advantage in Resource-based financial products business after full discussion of Resource advantage in Bijie. If Bijie ABC can focus on our current economic transformation, the increasing scarcity of resources, the great historical background, in place effective measures, Bijie ABC will use this opportunity of local resource advantages into economic advantages,and vigorously expand the resource-based areas of financial products and services, increasing relevant intensity of financial innovation, to create bigger and better space for future development, which is the theory of comparative advantage in the specific enterprise application development made a distinctive argument.Of course, there are many shortcomings due to my limited capability, as well as my extremely busy job owing to my identity of responsible person of BiJie ABC,so I had little time to read more literature and conduct a more in-depth analysis as I wrote theses.Next step, I Will actively collect material, rich literature, Strive for progress breakthrough in theoretical research,to make the suggestions,the thesis proposed,more targeted and operability,and better service in practical application.