Research On The Business Strategy Of RZDG Rural Commercial Bank Under The Background Of Interest Rate Marketization

Since October 24,2015,the people’s Bank of China has decided not to set a floating ceiling on deposit rates for commercial banks and rural cooperative financial institutions.In the market-oriented reform of interest rates,significant opportunities for RZDG rural commercial bank how to seize the development of the financial industry,combined with the actual situation of their own development,develop a suitable for their own development strategy,an important issue in front of bank executives has become.Therefore,it is an urgent task to study the future management strategy of commercial banks in China.Based on the study of a large number of documents,the interest rate market reform based on the background,experience and lessons from the market interest rates in response to foreign countries and regions,combined with China’s financial market environment,explore the strategy of RZDG rural commercial bank under the condition of interest rate marketization.This paper through the use of a variety of knowledge gained in school learning,in accordance with the principle of integrating theory with practice,theoretical tools learned through the use of a variety of banks,internal and external environment analysis,to explore the development of the bank the next business strategy,providing a powerful guarantee for the bank.This paper is divided into seven main parts.The first part is the introduction,mainly on the background and significance of this research,literature review,technical route and the expected results of the research purpose and research methods of research and study are expounded,and puts forward some ideas for this study.The second part is the interest rate market theory,mainly on the interest rate market meaning,our interest rate marketization process,and its market interest rate in Europe and the United States conducted in-depth research,provide a theoretical basis for this study.The third part is the analysis of RZDG rural commercial bank external environment,especially banking development trend through the macro environment and the development of RZDG rural commercial bank’s competitive environment and the market-oriented reform of interest rates in DG are analyzed,which provide the basis for the following external environment of its business strategy research.The fourth part is the analysis of the internal resources of RZDG rural commercial bank,the main operating status of the development of RZDG,commercial bank,interest rate marketization reform has carried on the analysis to the influence,and on the basis of the analysis of the SWOT,so as to find out the externalopportunities and threats,internal strengths and weaknesses,so as to provide a basis for the following study.The fifth part is the existing RZDG rural commercial bank under the background of interest rate marketization management problems,mainly analyzes the interest rates for the effect of RZDG agricultural firms and the existing main problems.The sixth part is the RZDG rural commercial bank under the background of interest rate marketization management strategy,firstly,on the basis of its business goals and objectives,proposed to increase the intensity of services for SMEs,build full marketing mode,to fund development work,and actively carry out diversified credit marketing,accelerate network transformation and Implementation differential pricing,strengthen risk management,to suppress the layers of responsibility,recovering non-performing loans and other business strategies,help its long-term development.The seventh part is the RZDG rural commercial bank business strategy for the implementation of security,on the basis of the above research,put forward to perfect the construction of corporate governance structure,improve the information system,the reasonable human resource allocation,construction enterprise core culture,to enhance the level of service and other security measures.