The Research About A Rural Commercial Bank's Transformation And Upgrading

Rural commercial bank is an important member of Chinese commercial banking system,which has the characteristics of small scale,limited business operation and geographical scope.In recent years,with the national economy downturn,the strict regulatory policies and the aggravation of the banking business internal competition,the transformation and upgrading have become the problems faced by various rural financial institutions.A rural commercial bank is located in the city which the national economy has developed well.In the past,the bank laid a good foundation,also it adopted a series of measures for the transformation of the multiple perspectives for further development.These measures has obtained certain achievements,but also exposed some problems.This article will discuss A bank's four important perspectives:market positioning in the process of transformation and upgrading,management technology,the options of banking sites and elaborates,analyze its current situation,problems and causes,also study other Banks' experience,then make the transition route recommendations.The article mainly includes the following aspects: the first part elaborates the research purpose and significance;The second part expounds the domestic and foreign research situation;The third part introduces the internal and external background of the transformation and upgrading of A rural commercial bank.The fourth part states the measures,problems and cause analysis of the transformation of A rural commercial bank.The fifth part introduces the good practice of domestic and foreign Banks.The sixth part expounds the overall direction of the rural commercial bank transformation and makes the strategy suggestions for the transformation of rural commercial Banks.Consider the regulatory focus on hot issues,internal and external environment,this article offers the proposals of transformation and upgrading suggestions.