| With the increase of the state's financial system reform, financial competition also occurred in the new change, country is allowed to possess a condition for the folk capital of the small and medium-sized banks shall be established according to law, to accelerate the development of new rural cooperative financial organizations, the state-owned commercial banks re layout of the county, joint-stock banks have to seize the resources of rural financial market, Wuxi agricultural firms face an unprecedented fierce competition.Wuxi rural commercial bank has relatively low starting point, from rural credit cooperatives to gradually develop, with the competition among commercial banks is becoming increasingly fierce, Wuxi rural commercial bank in the competition disadvantages gradually revealed, including the lack of an effective risk management system, risk management is more limited in the surface layer of business, the single product business, innovation, lack of motivation, there is still a big gap between the overall quality of staff and other financial institutions in the banking industry, all kinds of professional talent reserve serious lack of. Wuxi rural commercial banks to establish a short time, and the scope of the initial operation is limited to some areas of Wuxi City, the strength and experience are very lack of all aspects. So to get rid of the competition at a disadvantage situation, Wuxi rural commercial bank needs business transformation, in order to enhance its competitiveness in the market. In this paper, the analysis of its problems in business transformation, and puts forward the relevant suggestions, in order to promote the success of the transformation.This paper first introduces the research background, purpose and significance, and summarizes the relevant research status at home and abroad, and the main contents and methods of this paper are discussed. On this basis, this paper on the current situation of the development of the Rural Commercial Bank of Wuxi, and the necessity of transforming was analyzed, including the structure of the existing business has encountered a bottleneck in the development, increasing pressure on the industry's macro environment, Wuxi area economic environment that is conducive to the transformation, Wuxi agricultural businesses have size and strength for the transformation provide favorable support. Then, this paper puts forward the design proposal of Wuxi agricultural firm business transformation, including the idea and target of Wuxi agricultural firm business transformation, the main problems faced by the business transformation of business and range positioning, Wuxi agricultural firms business transformation by analysis of the problem, immediately gives the Wuxi agricultural firm business transformation program implementation measures, including the main customer group to develop products and services system based on, based on the transformation needs the implementation of process optimization, enhance financial and capital management level, improve human resources management measures etc.. Finally, the paper puts forward the Wuxi agricultural firm business transformation scheme for the implementation of security, including the optimization of organizational structure do a good job in the organization guarantee, strengthen information technology support to the transition, pay more attention to risk management in transition and transformation. The specific arrangement of this paper is as follows:Chapter 1:introduction. It mainly discusses the background, significance, research status, research methods and research ideas and the main content.Chapter 2:the analysis of Wuxi agricultural business development and transformation of the necessity. First introduced the status of Wuxi agricultural firms, then the Wuxi commercial bank transformation of urgency are analyzed. At last, it analyses the advantage of Wuxi rural commercial transformation.Chapter 3:the design of Wuxi agricultural firm business transformation plan. This chapter first identifies the idea and target of Wuxi agricultural firm business transformation, and then carry on the localization of Wuxi agricultural firms business transformation of business and scope. Finally, the analysis of the main problems faced by the Wuxi agricultural firm business transformation.Chapter 4:the implementation of Wuxi agricultural firm business transformation program. This chapter based on the main customers to develop products and service system, the implementation of process optimization based on demand transformation, improve financial and capital management, improve human resources management measures.Chapter 5:to guarantee the implementation of Wuxi agricultural firm business transformation scheme. This chapter includes the optimization of organizational structure to strengthen organizational guarantee, support for information technology transformation, pay attention to risk management and transformation after transformation.Chapter 6:summary of the full text and research prospects. This chapter mainly summarizes the main work of this paper, analyzes the shortcomings of the work in the article, and the next step of the work is prospected.This paper analyzes the status quo of Wuxi rural commercial banks, analyzes the necessity of business transformation in the current market, and puts forward the measures for the transformation. This article through the research, mainly draws the following several aspects the conclusion and the contribution:(1) through the research found that Wuxi rural commercial bank in Wuxi area gradually grow and grow, in the past few years into the fast lane of development. But at the same time, the development of the bottleneck has been very obvious. Large domestic and foreign commercial banks and local banks are also constantly tap the Wuxi market, as a foothold in Wuxi, the development of Wuxi's agricultural firms in Wuxi, has been a strong competitive pressure. Therefore, the Wuxi rural commercial bank need to expand the business transformation actively, more market and development space.(2) Wuxi rural commercial bank also has a transformation of the favorable factors, in Wuxi rural commercial bank. Through years of development, the scale of business to achieve robust, rapid development, significantly enhance the overall operating efficiency, significantly enhance the service ability, risk control ability and constantly enhance, these for transformation and upgrading of Wuxi rural commercial bank provides solid condition.(3) agricultural commercial banks in Wuxi will in the following aspects were to strengthen and improve, to enhance of achieving the goal of transformation strength:strategic positioning to further clarify, the further deepening of the corporate governance, and further optimize the organizational structure, to further improve the business model, to further strengthen the management mode, the realization of the refinement of management, set of intensive management, development characteristics. At the same time, the overall direction of Wuxi agricultural business transformation can be summarized as the following three aspects:the retail community banks based on the comprehensive financial services provider, based in Wuxi, radiation regional bank in South of Jiangsu.(4) Wuxi agricultural firm business transformation mainly include the main customers to develop products and service system based on. First in the company's business should be located in "township market enterprise customer based, service in the area of key industries, the park, by customer segmentation based become integrated financial service provider of small and medium-sized enterprises". Secondly, Wuxi rural commercial bank should enhance personal business product customization ability. The last space to improve the electronic banking business development.(5) Wuxi agricultural firm business transformation of safeguard measures include:optimizing the structure of the organization to do a good job security organizations, Wuxi agricultural firm's organizational structure adjustment (including changes in the Department, department responsibility determination, etc.) should be through the establishment of a special leading group to be promoted and additional relevant departments, for business transformation to provide support, business transformation, business will be more different, business data and events is more complicated, Wuxi agricultural firms need to improve greatly the ability of information security, technical means to protect the business transformation to the implementation of the.Based on the research of the Wuxi commercial bank, the commercial bank has the potential to improve its judgment on those aspects so as to realize the self perfection. Based on the direction of the transformation of commercial banks is described, can find suitable for their own development direction, to provide practical material for theoretical research on commercial bank business transformation. |
PDF Full Text Request