Financial Operation Strategy Research Of Siyang Rural Commercial Bank

Rural commercial bank,which is established along with the financial system reform in our country,has already become an important and eye catching part of China's banking industry in terms of banks' feature.Rural commercial bank plays an important and irreplaceable role in supporting the construction of local economic programs and in supporting the development of small and medium-sized enterprises.Rural commercial bank is especially helpful to provide the service in agriculture,farmer and rural villages,which is known as San Nong.At present,the competition in financial industry is becoming increasingly fierce,thus some places like the county and some fields like the rural financial field has attracted more and more attention from more and more commercial banks.Besides,the financial strategy,including what content to enact and how to carry out these financial strategy,has an important and prolong impact on the performance and development of rural commercial banks.It is appropriate to stress financial strategy in rural commercial banks.Therefore,including the Siyang rural commercial banks,all the rural commercial banks need to select their own financial strategy in this new era and under new industrial and economic circumstances.Siyang Rural Commercial Bank of Jiangsu Province is the China Banking Regulatory Commission approved by domestic natural persons and non-financial institutions,corporate co-sponsored the establishment of joint-stock banking financial institutions,is in the original basis of rural cooperative banks developed.Since the formation of running one over the years,effectively promote local economic development,market position and brand image has improved significantly in the county and even Nongxinyin systems have an impact,the new banking operation mode will be a great success.Siyang social image of rural commercial banks rapid increases in the rapid development of the business,and gradually improve the management system,greatly enhance the ability to resist risks;But in recent years,Siyang rapid economic development,economic upward trend is very clear,with economic development expansion of demand and financial markets,and the full liberalization of the financial industry is facing the objective reality,including foreign banks,including many Bank has focused its attention on rural areas in the county and the financial sector,various financial institutions have begun to have stationed Siyang,in this fierce competitive environment,rural commercial banks Siyang how to overcome the difficulties faced by themselves,out of a characteristic development of the road is imminent.Siyang rural commercial banks to develop appropriate financial strategy development,which is Siyang rural commercial banks are facing an important issue to solve.Firstly,this paper studies the theory of financial strategy review,including financial strategies and the main body of research,analysis of financial strategy and asset liability management theory,asymmetric information theory and modern portfolio theory in financial support for strategic research in the role.Then this paper summarized the the development of Siyang rural commercial bank and conduct a comprehensive analysis to Siyang rural commercial bank based on the Boston matrix model and factor analysis,drawing the basic orientation of its financial operation strategy.This paper argues that Siyang agricultural firm financial strategy should be based on sound-based,supplemented by dilated financial strategy,under the premise of strict risk control,focusing on the development of superior products at a profit,and constantly improve the level of technology and technology services.According to the current internal and external environment facing,this paper puts forward the corresponding policy recommendations in order to promote agricultural businesses with a smooth and rapid development.