Analysis On Competitiveness Of Haikou Rural Commercial Bank

Since the reform and opening up,the party Central Committee and government departments at all levels have always attached great importance to the "three rural issues"("agriculture,rural areas,farmers").President Xi Jinping pointed out in the report of the 19th National Congress that the issue of agriculture,rural areas and farmers is a fundamental issue related to the national economy and the people's livelihood,and is the most important task of the work of the whole party.The solution to the problems of agriculture,rural areas and farmers is inseparable from the support of funds.The development goal of rural commercial banks is to meet the financial needs of the rural economy and farmers' production and living.Judging from the specific conditions of rural financial development in these years,rural commercial banks have gradually become the main force of rural finance.They provide strong financial support for the improvement of farmers' income and the development of rural SMEs,and they play a greater role in the development of local economies.The more important it is,the more its development issues are getting more and more attention.With the continuous development of the national economy and the growing vitality of the financial market,rural commercial banks are also facing increasing competitive pressure.Increasingly competitive pressures have forced rural commercial banks to re-examine their status and take appropriate measures to maintain stable market competitiveness.This paper takes the domestic and foreign research results concerning the competitiveness of enterprises and the competitiveness of banks as the theoretical basis.Taking Haikou Rural Commercial Bank as an example,we use the SWOT analysis method to study its competitive advantages,disadvantages,development opportunities and threats.Haikou Rural Commercial Bank has the following problems:insufficient talent pool,incomplete internal management system,relatively backward development of intermediary business,insufficient product variety,and heavy historical burden.At the same time,using the analytic hierarchy process to select safety,profitability,market size and other indicators from the perspective of real competitiveness and potential competitiveness,the Haikou Rural Commercial Bank and Beijing Rural Commercial Bank,Zhongshan Rural Commercial Bank,and Nanchang Rural Commercial Bank A comparative analysis was conducted to obtain a ranking of the competitiveness of several banks and summarized the lack of competitiveness of rural commercial banks in Haikou:insufficient scale,weak innovation capacity,lagging development of intermediate businesses,and weak asset risk control.At the end of the article,on the issues and insufficiency of competitiveness,we propose specific measures including the adherence to the service market,the orientation of the three rural and small-and medium-sized enterprises,the improvement of the internal management system,the strengthening of comprehensive risk management,the strengthening of talent introduction and training,and the acceleration of product and technology innovations.Improve competitiveness.