Study On The Development Strategy Of Rural Financial Market Of Yingtan Rural Commercial Bank

In recent years,in the face of complex business environment and fierce competition,Yingtan Rural Commercial Bank's original development model is no longer adapted to the formal requirements,deepening reform is imminent,exploring emerging markets and seeking new business growth point is imperative.Rural financial market has always been praised as a trillion-scale market,and a series of factors,such as imperfect credit system,immature market environment,high cost of market development,credit risk and so on,have become the obstacles for some commercial banks to step into the rural market.Therefore,the study of rural financial market development strategy is of great significance to promote the effective docking of rural financial demand and financial supply,and to promote the transformation and upgrading of Yingtan Agricultural and Commercial Bank.Based on the investigation and research of "whole village credit" of Yingtan Agricultural and Commercial Bank,this paper analyzes the present situation,problems and causes of Yingtan rural financial market from both supply and demand sides,and points out the breakthrough point and focal point of commercial banks in exploring,cultivating and opening up rural business market,and then combines the development strategy of Yingtan Agricultural Commercial Bank.This paper puts forward the market development strategy of "promoting the whole village" rural market development mode,innovating the rural market products of "Shun Nong Li Nong" and constructing the "grid" rural market service management system,and the strategic layout of "rural encirclement of the city" to help Yingtan Agricultural and Commercial Bank to dig into the rural market at the same time,eliminate the current non-agricultural at one stroke.The dilemma of coexistence of "high risk,high burden" and "weak" rural business is expected to consolidate the competitive advantage of the same industry,expand the share of rural financial market,and optimize the business structure,so as to promote the transformation and upgrading of Yingtan Agricultural and Commercial Bank from high-speed development to high-quality development.