Research On Problems And Strategy Of“Three Rural”Business In Zhaodong Agricultural Bank

Agriculture,countryside and peasant are collectively called “Three Rural”.Agricultural Bank stable develop “Three Rural” in the rural region,rising “Three Rural” business service ability and service level,give full play to the main force in rural finance.Since the agricultural bank share reform in 2009,agricultural Bank sink work center of gravity,develop on the basis of the county,expand“Three Rural” business and develop county “blue ocean” market,and achieve common development between urban and rural areas.Agricultural bank positive fulfil of the services the responsibility for “Three Rural”.In this paper,the author take an example of zhaodong agricultural bank of china,to survey the bank business development of “Three Rural” in recent years,adopting questionnaire,on-the-spot investigation,literature search and other research methods.Do SWOT analysis for the business of Three Rural in zhaodong agricultural bank.This paper find the problems existing in Service work for “Three Rural”,and use the theory of learned knowledge in-depth analysis,and put forward effective countermeasures.According to the overall research ideas,This article is divided into four parts.Firstly this paper introduces the research background,significance,theory of “Three Rural”,the research literature at home and abroad,and the research plan;Secondly,this paper introduces the economic development of zhaodong,analysis of the regional financial needs,made some good experience and productive practice;Again,through do SWOT analysis for the business of Three Rural in zhaodong agricultural bank and diagnosis zhaodong agricultural bank,find out including branches,products,credit system,and staffing problem.Learn about strengths,weaknesses,opportunities and threats.The deep-rooted root causes of the problem were excavated.The dynamic game model is analyzed in the paper;Finally,according to the problems put forward the corresponding solutions,built a whole process monitoring system for the credit business of“Three Rural”.Through the system,we can improve the credit operation of the“Three Rural”.At the same time,we put forward the effective measures to accelerate thetransformation of the service,innovate the financial products and introducting and training of the "Three Rural" talents.