A Study On The Choice Of Business Strategy In The Initial Stage Of Rural Banks

In the existing rural financial system,village banks,as a new and important member,mainly provide financial services for rural areas.At present,with the development of the banking market,the rural banks both have good opportunities for development and face fierce pressure from market competition and severe challenges.To the information system and give full play to the advantages of it,to make up for lack of brand and scale to exist,to achieve better survival and development in the local market,rural banks must identify their own position,through the "survival,development",to explore the corresponding management strategy according to the local environment with the actual the existence of market positioning and development,so the research of village banks in question,for the development of strategies to solve the problem,has become a very important research topic.Based on the development strategy research on the rural banks as well as environment on the development of rural banks on the basis of the theory of uncertainty analysis,4P analysis,4C theory to the theory of market segmentation theory.We get the management strategy of "Mr.Cun" and "after development" of the village bank in different initial stage,which is the theoretical basis for the choice of localization strategy.According to the author's own Shandong Hanyuan source of village bank's practical experience,based on a detailed analysis of the Wudang environment,on the situation of Hanyuan rural bank source localization business in three years were reviewed,summarized and analyzed the matters into Hanyuan source of rural bank for three years to adhere to the strategy of localization results,there the problem and should be paid attention to,and the new problems and the reasons for the transformation of "localization" strategy of three years of practice,analysis,through field investigation and analysis,demonstration of "localization" is the business strategy in different places preliminary design of village banks?Through the above analysis,we draw the conclusion:the preliminary design stage for remote villages and towns management strategy choice "localization" is a wise move,in the transition period,rural bank business strategy choice is still not far away from the "localization".