Study On Market Competition Strategy Of Anyi Rural Commercial Bank

With the continuous deepening of the reform of our country socialist market economic system,the reform of supply side,“Three rural” problem is becoming more and more attention by the social from all walks of life.Rural commercial bank is the new achievements of China’s rural credit cooperatives reform,as a regional financial institutions,will not be eliminated in the fierce financial competition,the market competitiveness of rural commercial bank to make objective and reasonable evaluation,and the corresponding market competitive strategy for implementation.Anyi rural commercial bank formerly known as Anyi rural credit cooperatives,Anyi rural cooperative bank,has experienced two restructurings,which approved by the raise in November 2015 and formally established in June 2016.Anyi rural commercial bank adhering to the "credit first,win-win cooperation" business philosophy,fully grasp the restructured bank opportunity,promoting management mode and the change of the pattern of economic growth,enhance the comprehensive competition ability,profitability and risk control ability.In this paper,Anyi rural commercial banks as the research object,analyzes the objective and microcosmic environment,its opportunities and threats,advantages and disadvantages of the market competition in Anyi rural commercial bank,and then puts forward the Anyi rural commercial bank market competition strategy.The main conclusions are as follows:(1)Anyi rural commercial bank as the main force in Anyi County rural financial market,to reverse the local rural capital flow difficulties,and promote diversified rural financial development has played a positive role.(2)Anyi rural commercial banks to implement the strategy of market competition,it has spread all over the urban and rural branches,richly endowed by nature geographical position,good quality of loan products and other advantages,disadvantage is the small size of capital,business development,internal governance mechanism,weak financial innovation ability is low,the low quality of employees,the rapid development of the rural credit system construction of national support the new socialist countryside construction of rural financial policy,the market demand continues to accelerate,Anyi County economy brings opportunities to the development of Anyi rural commercial bank,but also face the new economic normal development,the interest rate market,the increasingly fierce market competition,the social credit environment needs to be optimized,part of the historical burden,it is difficult to resolve all kinds of discriminatory policies still exist,the lack of talent introduction mechanism,advanced technology means the impact brought by the challenge.To achieve further development,Anyi rural commercial bank must avoid weaknesses,from the perspective of strategic management,formulate the development strategy and path for its implementation.(3)Anyi rural commercial banks in the market competition strategy should be-"based on the county,to serve the community,support agriculture and small businesses." To this end,Anyi rural commercial banks should always adhere to the"create value for customers,create profits for shareholders,for employees to create the future,to create wealth for the purpose of society,vigorously carry out" innovation,quality and efficiency,good in quickly seek connotative development road "three goals,efforts to build a service of the county’s main bank,farmers like rural bank.The implementation of Anyi rural commercial bank market competition strategy should be based on the full range in management strategy,business strategy,risk control strategy,information strategy,talent strategy and brand strategy.