Research On The Development Strategy Of Changchun Chaoyang Branch Of Hunchun Rural Commercial Bank

At present,our country has entered the key period of winning a well-off society in an all-round way.It is one of the major tasks to help the poor accurately.Therefore,the issue of agriculture,rural areas and farmers has once again aroused widespread concern of the whole society.In order to solve the financing problem of the development of agriculture,rural areas and farmers in China,rural credit cooperatives have been restructured into rural commercial banks with clear property rights,stronger risk resistance and better credit quality since 2000,with the approval of the State Council.Better for the majority of farmers and small and medium-sized enterprises to provide services.Hunchun Rural Commercial Bank in recent years combined with its own reality,pioneering,innovative development,cultivates the border,has made brilliant achievements,and in May 2017 in Changchun,the capital of Jilin Province,established the Changchun Chaoyang Branch.Based on the research object of Changchun-Chaoyang Branch of Hunchun Rural Commercial Bank,this paper analyzes its development status and existing problems,as well as the advantages and disadvantages of the internal and external strategic environment it faces at the present stage,and explores the strategies suitable for its own development.First of all,it briefly introduces the general situation and evaluation of Hunchun Rural Commercial Bank.Second,the paper studies the problems and causes of Changchun Chaoyang Branch of Hunchun Rural Commercial Bank.Thirdly,the internal and external strategic environment of Changchun Chaoyang Branch of Hunchun Agricultural and Commercial Bank is analyzed.Fourth,puts forward the goal of strategic Changchun Chaoyang Branch of Hunchun rural commercial bank,select the corresponding development strategy,formulate implementation plan,and propose the corresponding safeguard measures.This paper believes that Changchun Chaoyang Branch of Hunchun Rural Commercial Bank,as an rural commercial bank,in order to make it into the most valuable and open rural commodity brand in the region,should combine its own advantages and adopt differentiation strategy.First of all,we should actively integrate into the "Changji Tu" strategic financing platform,take advantage of the driving role of the "Belt and Road" economic belt,make good use of the regional advantages of the headquarters Bank and the advantages of foreign currency exchange,and give full play to the stationing of the Changchun Chaoyang Branch in the provincial capital cities.Capital flow is relatively abundant,international cooperation is widely carried out and the characteristic industries in Changjitu region are supported by funds from coastal to inland development.Second,it is necessary to combine the characteristics of Changchun Chaoyang branch of Hunchun Rural Commercial Bank to implement a differentiation strategy.In the project of serving "three rural areas",serving small and medium-sized enterprises,and serving the community,we should design more targeted financial products and do a good job of financial services that are closer to the common people.Thirdly,we should strengthen risk prevention and control management.The characteristics of rural commercial banks determine that he has certain defects in financial risk prevention and control.The Changchun Chaoyang Branch of Hunchun Rural Commercial Bank should take advantage of its characteristics of fast access to information and broad mass base,as well as the information reserve of the head office to carry out risk prevention and control.Fourth,with regard to the safeguard measures,we should win the support of the head office,extensively develop the talent reserve,and increase interconnection.Fifth,the bank should grasp the current state ' s policy of " three rural " issues,accelerate the pace of urbanization,and take advantage of it.In this paper,through the study of Changchun Chaoyang branch of Hunchun Rural Commercial Bank,with a view to the same bank or other banks in the same region or banks with similar characteristics,in the development strategy has a certain reference significance.