Based On A Rural Commercial Bank County Rural Commercial Bank Strategy Research

The rural commercial bank,a local financial institution,was formed by the reform of the joint-stock system through the rural credit cooperatives.As the financial market in rural areas developed rapidly in recent years,and the urbanization of rural area develop smoothly,the vast rural area financial market has been gradually favored by many state-owned banks,private banks and foreign banks.Facing the increasingly fierce market competition,challenged by the existing strong competitors and other potential entrants,it is urgent for the rural commercial bank to make a strategy in line with its own development conditions which is restructured by rural credit cooperatives and commercial banks is urgent.In view of the above problems,this paper selects A rural commercial banks in the HN region of central China for case study.To collect detailed information and data,we first conduct field research of A rural commercial bank.By the research,we made a comprehensive and in-depth understanding of the historical evolution,strategic evolution and development status of A rural commercial banks,and we found that the main problem of A rural commercial banks is the lack of effective strategic positioning.Then,based on the existing theories of strategic analysis,strategic choice and strategy implementation,this paper analyzes the existing strategies of A rural commercial banks,and the difficulties and challenges of its strategic transformation and upgrading.The research mainly used the PEST analysis method to make comprehensive analysis of A rural commercial banks in the external environment,including political and legal factors,economic factors,the social and cultural factors and technical factors.Subsequently,the paper makes a SWOT analysis of A rural commercial banks,and makes a comparison of competitive strategies.According to the analysis of A rural commercial banks,specific competitive strategies are drawn up.Finally,the paper proposes A rural commercial bank strategy implementation measures,including the optimization of organizational structure,rational allocation of human resources,guarantee of capital investment,etc.,in order to ensure the effective implementation of the strategy.Domestic and international strategic theory research has become more and moremature,and the latest research focuses on the analysis,application and improvement of the strategic framework.The strategic research on small and medium sized commercial banks has just started,and mainly uses economics and management to explore the direction of development of small and medium sized commercial banks theory.Moreover,the most of the studies focus on the big city of the rural commercial bank.The paper studies the strategic development of County commercial banks in rural areas,which can complement the existing research.At the same time,it can provide reference for the development of county rural commercial banks,which is the main force of rural financial development.The research of strategic development is very complex.It requires the developer to understand the enterprise thoroughly and consider the enterprise development as a manager.Although the study is based on the first-hand information collected from A rural commercial bank,we still unable to understand all the aspects of A rural commercial bank,and my theoretical level is limited,suggestions in this paper may be too theoretical and not operational.In order to solve this problem,I will pay great attention to the development of rural commercial banks,and do more detailed research in the future.