A Study On The Differentiation And Development Of Rural Commercial Banks Under The Background Of Pratt&Whitney Finance

Rural commercial banks is the product of C hina's rural financial system reform,because of its restructuring in the credit cooperatives,from the nature also inherited the rural credit cooperatives‘ responsibility to support agriculture,agriculture and service small micro.After the reform of the rural commercial banks,the program with other large commercial banks homogenization of the business situation is serious,policy positioning and commercial nature existence of a large conflict,how to invest in the context of Pratt & Whitney financial development of a rural commercial banks to explore the differentiated development The road is of great significance to the steady development of rural commercial banks.Based on this,this paper takes Jiangyin Rural Commercial Bank as an example to study the differentiated development path of China's rural commercial banks under the background of Pratt & Whitney Finance.This paper first introduces the development of rural commercial banks,then analyzes the homogeneous operation of rural commercial banks and other types of commercial banks from three aspects: business philosophy,product service and target customer.Then,this paper analyzes the effect of Jiangyin rural commercial banks in differentiated homogeneous market environment and its strategy implementation.,O n the basis of case introduction,this paper analyzes the necessity of the development of rural commercial banks in China,and analyzes the feasibility risky and performance of differentiated development of Jiangyin Rural Commercial Bank.Then summed up the improvement of business philosophy,appropriate to carry out cross-regional business to open up new markets,strengthen financial product innovation and other experience,prevention of credit risk and reduce dependence on preferential policies and finally put forward some suggestions on the development of China's rural commercial banks.