The Financial Strategy Study Of Rural Commercial Banks

Since 2000,China has gradually increased its support for agriculture.Based on the reform of the rural credit cooperatives,all rural areas across the country have gradually started to create rural commercial banks.Rural commercial banks have become an important part of China's banking industry.As China's economy has entered a new normal,economic growth has slowed down and economic structure has been adjusted.Under this background,the development of rural commercial banks is facing a turning point.Especially in the past two years,the growth rate of rural commercial banks has slowed down and the profit model has faced major challenges.Faced with the new situation,many banks proposed strategies such as "strategic transformation" and "retail banks" and "characteristic banks." However,the implementation of various banks' strategies is not smooth,and the lack of corresponding financial strategic support is an important factor.In this paper,the topic of "Research on financial strategy of rural commercial bank,rural commercial bank strategic development environment and strategic choice based on the study of China's rural commercial bank in the formulation of development strategy and mode selection based on FQ rural commercial bank as an example,in-depth analysis of bank strategy work,to establish and clear the rural commercial bank the strategy provides the basis,to provide references for other similar development and banking.The main contents of this article are as follows:The first part is the introduction,first elaborated the research background of this topic,and then describes the research on financial strategy of rural commercial bank from the aspects of theory and practice;then reviews the research status at home and abroad,to provide theoretical guidance for the study of this topic;then introduces the research ideas and research methods of this topic,and the research the innovation and shortcomings of this thesis.The second part is the basic theory of financial strategy,mainly studied according to the theoretical framework of financial strategy,analysis of the concept of financial strategy,financial strategy from the analysis of the dynamic,overall,extraversion and long-term financial strategy features,and launches the research from the general model of basic pattern of financial strategy and management process,provide the theory support for this research model.The third part is the financial strategy analysis of rural commercial banks,including five aspects.They are the status quo and causes of financial strategy,the analysis of financial strategic environment,the choice of financial strategy,the implementation and control analysis of financial strategy.In the present situation and causes of the financial strategy,the author introduces the development status of rural commercial banks,to grasp the development status and existing problems;then the financial strategic environment inside and outside the bank enterprise through the analysis of the PEST model,Potter's five forces model and SWOT analysis method;based on the analysis of the selection of financial strategy from the investment strategy,financing strategy and operation strategy and dividend strategy that several levels;and the implementation of financial strategy analysis for control.The fourth part is the analysis of FQ rural commercial bank financial strategy,first introduced the basic situation of FQ rural commercial bank,and then carry on analysis and choice of financial strategic environment of FQ rural commercial bank,rural commercial bank FQ to determine the start-up period,growth period,mature period and decline period of strategic orientation,from the profitability,asset quality,capital adequacy,income the structure and the liquidity risk of implementation of FQ rural commercial bank financial strategy.The fifth part is the conclusion and outlook,put forward to establish the operation mechanism and management target of rural commercial bank financial management principles,improve the financial sector and the comprehensive advantages of cohesion,practice step by step with the market strategies and suggestions to improve the FQ rural commercial bank in the financial strategy management superiority,so as to improve the market competitiveness.To ensure sustained and healthy development of the bank.