Research On Development Of Rural Community Bank In Tai'an Bank

Since the reform and opening up,the speed of development of the banking industry of our country rapid development and remarkable achievements,but the banking system still remains some problems,such as large commercial bank capital can not flow into the county or rural areas,the rural financial repression and two yuan of economic structure have become increasingly prominent,causing most of China's rural financial channel,financing the difficulties of small and medium-sized enterprises and agricultural farmers,greatly restrict the development of "three agriculture".Community bank as a new thing in China's financial market,based on the community residents and small and micro enterprise development purposes,by the community residents and small and micro enterprises favor.With the trend of rapid development of large commercial banks in China,the development of community banks has just started,the market share is relatively small,rural community banks are scanty,however large commercial banks can not meet all customer requirements and cover all the credit market,the risk of private lending has become increasingly prominent,rural community banks all this for special leave a larger space for development.In this paper,the Bank of Tai'an as the main research object,the development of the rural community bank Bank of Tai'an as the main research content,combined with the current development of Rural Community Bank of Tai'an on the basis of combing the domestic and foreign research present situation of community banks,using the SWOT analysis method,draws the following conclusion through the research:(1)Bank of Tai'an as a local small commercial bank,since the reform,adhere to focus on regional economy,rooted in Tai'an market as a strategic development direction,constantly improve the operating performance,its strength gradually increased,gradually become the influence with local commercial banks.In order to consolidate market share,adapt to the development trend of the financial market and meet the needs of the interest rate marketization,the development of rural community banks becomes the inevitable choice of Tai'an bank.(2)Found in the Bank of Tai'an Rural Community Development Bank SWOT analysis,clear development objectives and market positioning,improve the management system,the area of high social awareness and strong strength for rural community banks in Tai'an Development Bank has internal advantages;starting late,product innovation ability is limited,the high cost of operation long payback period and the lack of professional talents for its disadvantages;the government's policy support provides a guarantee for the development of community banks,community residents and small and micro enterprise development potential financial market increasingly strong demand and great development of rural community is facing the Bank of Tai'an bank will be the external opportunity;industry competition is becoming increasingly fierce,the marketization of interest rates accelerate the innovation of financial products,more and more difficult,the Bank of Tai'an bank increased the difficulty of the development of rural community.Based on the comprehensive analysis,the Bank of Tai'an should choose the OW strategy,that is,grasp and use the external opportunities,and at the same time overcome their disadvantages as far as possible,and create favorable internal and external conditions for the development of rural community banks.(3)The Bank of Tai'an should not only by optimizing the network layout,avoid blind investment of resources in the rural community development banks,improve the quality of community bank employees,establish effective supervision system,innovative financial products,improve the level of financial services in four aspects to strengthen its own construction,but also rely on the government to create such as strengthening the policy support efforts to improve the relevant laws and regulations of community banks,strengthen the inter industry business communication,to jointly cope with environmental changes and improve the bank deposit insurance system and a good external environment.Only under the combined effect of good internal and external conditions,Tai'an banks and rural community banks can develop healthily.