Research On Competition Strategy Of YC Rural Commercial Banky

The reform of rural credit cooperatives,as the main financial force for supporting agriculture,is related to the overall situation of agricultural development,farmers 'income and rural stability.With the transformation of rural credit cooperatives into agricultural commercial banks in China,the YC rural commercial banks have completed their restructuring in the face of the general trend of rural revitalization,diversification of rural financial services demand and the heating up of rural financial competitive environment.Under the pressure of advanced mechanism,leading products and personalized service for customers,how to face up to the current competition situation and make the competition strategy suitable for YC rural commercial bank's sustainable and healthy development becomes an urgent task.Firstly,this paper expatiates the background of studying the competition strategy of YC rural commercial banks,analyzes the theoretical and practical significance of the research,and then combs the present situation of foreign and domestic competition strategy research through literature reference.At the same time,this paper analyzes the present situation and comprehensively discusses the relevant theories of competition strategy,and establishes the research idea of YC rural commercial bank's competition strategy selection by using literature research method and case study method.Through the analysis of the internal and external environment of YC rural commercial banks,the challenges and opportunities faced by YC rural commercial banks and the necessity of selecting appropriate competition strategies are further clarified,In the light of the current situation and competition pattern of YC rural commercial banks,the paper analyzes the resources and capabilities of YC rural commercial banks in terms of advantages,disadvantages,opportunities and threats by using SWOT analysis.Through the analysis of the current situation of banking development in China,the paper further expounds the external opportunities and threats faced by YC rural commercial banks and makes clear the development direction of YC rural commercial banks.On the basis of this,according to the principle of focusing on the main industry and returning to its origin,this paper studies and chooses the competition strategy of YC agricultural and commercial banks.According to the development path of "agricultural and commercial banks--standard banks--first-rate banks",it isdetermined that YC rural commercial banks should choose the strategy of differentiation as the main and the strategy of concentration as the supplementary.It also promotes the strengthening of organizational leadership,the improvement of rules and regulations,the strengthening of management,the improvement of the personnel training system and the strengthening of cultural construction,so as to ensure the effective implementation of the competition strategy.Finally,the paper is analyzed and the theoretical application value of the paper is forecasted.