Study On The Development Of Shanxi Yuci Rural Commercial Bank

Shanxi Yuci rural commercial bank Limited by Share Ltd by rural credit cooperatives on the basis of Yuci District,initiated by the enterprise legal person and natural person,the local joint-stock financial institutions,since its establishment in 2011,won the customer support and trust of the majority of the bank government policy.Study on Yu ci rural commercial bank is based on the background of the reform of the financial system,can not only enrich the theory of development of the rural commercial bank accumulation can provide a reference for the future practice of the rural commercial bank.By defining the analysis and theoretical basis of domestic and foreign academic point of view,the process of Yu ci rural commercial bank's establishment and development was analyzed,which is the basic condition of the development of Yu ci rural commercial bank.In order to study the development status of Yu ci rural commercial bank,through the SWOT analysis,the Yu ci rural commercial bank to geographical location,customer source,online distribution,human resources and other advantages,has the stability of employees is not high and the source of funds is single and disadvantages exist at the same time policy and the development of urbanization and other development opportunities,existing customer groups change and the rural financial competition,the shareholder group dispersion and other challenges.The lack of thorough transformation of the existence and development of Yu ci rural commercial bank,rural credit cooperatives have great influence and lack of professional staff,the initiative is generally low,competition is fierce,homogeneity is more serious,compared with the traditional operation management,convenient relative lag,the loan risk is obvious,is difficult to guarantee the stability and related policies are not perfect,on the basis of the problem not too strong,in order to make the further development of Yu ci rural commercial bank,and puts forward the development of Yu ci Rural Commercial Bank:deepening reform,a clear market positioning,Actively cultivate talents,improve the incentive mechanism,accelerate business innovation,increase market share,enhance the consciousness of science and technology,the development of intelligent office,refine the loan system,safeguard the interests of banks,improve relevant policies,increase government investment and other measures to promote the Yu ci rural commercial bank the better and faster development,better service in the area of customer groups.