Business Strategy Transformation Research Of LZH Rural Commercial Bank

LZH rural commercial banks is an important part LZH Rural financial system is an important financial power of New Rural Construction.Currently,the interest rate market has become a hot topic nationwide banking concern,various financial institutions are faced with the transition pressure.LZH rural commercial banks have characteristics different from other industries and its own characteristics,accurately grasp the characteristics of its scientific and rational system of setting development strategy for the promotion of rural commercial banks LZH smooth transition to development,and seek competitive environment in the financial steady development plays a decisive role,but also for long-term stable development of rural other commercial banks also have a certain significance.Taking as a starting point the strategic transformation of banks,rural commercial banks combined LZH development characteristics and problems to make a correlation analysis,and how to determine effective measures specific strategic transformation research.First,the relevant concepts,basic theory and research status are reviewed to explain the interest rate market,business strategy,concepts and literature review process bank;Secondly,mainly from the organization set up,business scale,business types,operating efficiency four analyzes the development status LZH rural commercial banks,and through other domestic commercial banks to conduct business comparative analysis and scientific evaluation LZH rural commercial banks stage of development.Third,the combination of domestic and international economic and financial environment,rural commercial banks analyze LZH strategic restructuring opportunities and challenges,identify the current development in the rural commercial banks respond to the interest rate market situation in the strategic transformation of problems and difficulties.Fourth,theoretical studies and problems as the basis,the article analyzes the LZH rural commercial banks breakthrough in the direction of strategic transformation,determining the Bank's market position,identify the main line of development,put forward character,thinking of different development strategy.Fifth,targeted strategic transformation,way,way,out of the starting point,mode of operation,management,human resources and service approach corporate culture and other aspects of the comprehensive restructuring measures,combined with the actual situation LZH rural commercial banks,demonstrate resolve scientific programs,effectiveness and operability.This study LZH depth development of strategic transformation issues in order to provide a theoretical basis for the realization of LZH rural commercial bank restructuring strategy,while hope for others facing the same problems of rural financial institutions to provide useful experience.