Investigation Report On The Development Of Rural Commercial Banks In Quanjiao,Anhui Province

Rural commercial banks play a special role in China's financial system.They are not only commercial banks with modern corporate nature,but also shoulder the important mission of serving “agriculture,rural areas and farmers”.They are important for promoting local economic development and improving rural financial markets.The role has become a non-negligible part of our financial system.Anhui Quanjiao Rural Commercial Bank is based on the original Anhui Quanjiao Rural Credit Cooperative,and under the strong support of the Provincial Associated Press and the county party committee and county government,it has transformed itself into a modern commercial bank system and is responsible for supporting the coordinated development of urban and rural areas within the county area.The important mission of supporting small and micro enterprises and supporting the development of agriculture,rural areas and farmers.This article through the investigation of the current development status of Quanjiao Rural Commercial Bank,analyzes some problems existing in the development process of Quanjiao Rural Commercial Bank.It is of great significance to optimize market positioning and improve its business strategy.This article tries to start from the aspects of the structure,business status and risk control of Quanjiao Rural Commercial Bank,and proposes various countermeasures to comprehensively enhance the core competitiveness of Quanjiao Rural Commercial Bank,hoping that it can exert its own characteristics and advantages.Meet the financial needs of the people,promote the development of the county economy,and improve people's living standards.Since the reform of the whole pepper farmer's firm,a relatively complete modern company system model has been initially formed,with various business indicators.However,at the current stage,in the face of the complex and volatile financial markets and the intense competition in the same industry,the development of Quanjiao Rural Commercial Bank still has great room for improvement.This article mainly uses the literature research method,the visit research method,the SWOT analysis method,through the in-depth study of Anhui Quanjiao Rural Commercial Bank's current development status,achievements and existing problems,and the macro and micro development of Quanjiao Rural Commercial Bank.The environment has conducted a deeper analysis,affirming the positive role of Quanjiao Rural Commercial Bank in the county's main financial market forces.While seeing the good development situation of Quanjiao Rural Commercial Bank,we can't rest on its laurels and need to be prepared for danger in times of peace.There are also problems in the development and operation of Quanjiao Rural Commercial Bank,including a single type of product business,unreasonable loan structure,rigid profit model,and risk control.The system is not perfect,and the quality of personnel needs to be improved.Some problems are caused by historical reasons for a long time,and some problems gradually appear with their own development.After summarizing the internal and external environment of Quanjiao Rural Commercial Bank through SWOT analysis,we found that although the current industry competition has intensified and the external test is severe,there are also problems in itself.However,if the Quanjiao Rural Commercial Bank can exert its own advantages to actively innovate and seize opportunities Accomplishing the new situation will surely lead to a longer period of development.The author uses the finance,the management science and the accumulated theoretical knowledge and the practical knowledge,draws lessons from the advanced experience at home and abroad,sums up the existing problems of the Quanjiao agricultural and commercial banks,and puts forward the corresponding suggestions and views for the future development of Quanjiao agricultural and commercial banks according to the actual situation in the present stage.