Research On The Rural Financial Business Development Of Taian Bank

Rural finance,as the most important "lubricant" in China's economy as a whole,plays an increasingly important role.With the development of the national economy,rural area and rural incomes are constantly improving,the remaining funds in the hands of farmers have gradually increased and more and more funds for savings and investment.Such a large customer base is undoubtedly a huge customer resource of Taian Bank.As a local financial institution,Tainan Bank,as a local financial institution,has made great use of its own flexibility to seize the opportunities of rural financial market,paying attention to the development of rural financial business and vigorously developing the rural financial market in the face of the current marketization of interest rate and the increasingly fierce market competition.This paper systematically analyzes the development of rural financial business of Taian Bank by using theory and practice research methods,the use of the SWOT analysis,the main contents and conclusions are as follows:(1)Taian Bank 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 the market share,adapt to the development trend of the financial market and meet the needs of the interest rate marketization,the development of financial business has become an inevitable choice for Taian Bank.(2)In the analysis of the development of rural financial business SWOT of Taian Bank,a clear development objectives and market positioning,improve the management system,the area of high social awareness and strong strength for the development of community bank the Bank of Tai'an has internal advantages;starting late,product innovation ability is limited in high operating costs and 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 enterprises in the financial market development potential is huge and increasingly strong demand will face the development of community bank the Bank of Tai'an's external opportunities;industry competition is becoming increasingly fierce,market interest rates to accelerate the process of financial products innovation is more and more will make the development of CommunityBank of Tai'an increased the difficulty.(3)The rural financial business development strategies of Taian Bank are as follows: to innovative loan varieties to meet capital needs,to popularizing rural financial knowledge and strictly controlling the occurrence of cases;forming characterized services to assist agriculture and promoting inclusive finance,to establish the performance appraisal mechanism;to enhance staff awareness of services,and strengthen the service brand building;to increase network construction to meet the financial needs of farmers.