Research On The Transformation Strategy And Measures Of Wuxi Rural Commercial Bank's Products

The reform of the domestic financial market has entered the deep water area,which makes the competition of commercial banks fierce.The problem of single product and insufficient innovation,which seriously troubles the transformation and upgrading of banks.This paper uses the theory of enterprise growth,the theory of enterprise crisis and the theory of product life cycle to study the implementation and countermeasures of bank product transformation strategy.Based on the discussion on the current situation of the products of wuxi rural commercial bank,the paper puts forward the product transformation plan and safeguard measures based on the analysis of the current problems and the product transformation environment.The results are as follows:1.In response to the financial situation of more and more serious,the nationalized banks,the small and medium-sized banks began to transition,wuxi rural commercial bank as a typical representative of Chinese small and medium-sized banks,in the product homogeneity,product service,product service process problems,restricting bank development.This is the question part of this article2.From the macro environment,mesoscopic environment,and microenvironment,the environmental situation of the product transformation of wuxi rural commercial bank's products is analyzed.Macro environment analysis financial policy environment,the medium environment analysis of banks' current situation,microscopic analysis of wuxi rural commercial bank internal analysis the advantages and disadvantages,through effective analysis,the necessity of the wuxi rural commercial bank's product transformation is obtained.This is the problem section.3.The paper puts forward the strategy and guarantee measures for the product transformation of wuxi rural commercial bank.To determine the thinking and objectives of product transformation,optimize the process of product transformation,,the organization guarantee,information technology and financial resources of the new process offer the safeguard measure of product transformation plan,This is the part of the solution.Paper through analyzing the current situation and problems of wuxi rural commercial bank's products,put forward the necessity of transformation of wuxi rural commercial bank's products and safeguard measures,this paper has a guiding role for wuxi rural commercial bank's products transformation,have reference value for other commercial banks.It also has important reference value for other similar small and medium-sized commercial bank products...