Business Situation And Development Countermeasure Research Of The X Rural Commercial Bank

Since the reform,In China rural financial system,the rural financial institutions a very important role in the construction.The increasingly developed and perfect financial system has accelerated the pace of improving the quality of the national economy.In the course of the development of China's national economy,some agricultural financial institutions and rural commercial banks which support the development of "three dimensional rural issues" have been paid more and more attention by the people.China rural commercial bank was supported by the supervision department of the CBRC cooperative financial institutions,has been reformed by the rural credit cooperatives and formed.In many aspects,X rural commercial bank has been developing rapidly and steadily.They are also actively improving their service quality,so as to improve their financial services level.More importantly,it has been supporting the development of minor enterprises,providing minor enterprises with all-round financial services as far as possible,and accelerating the pace of minor enterprises.In recent years,with the rapid development of financial and electronic business,it has posed a greater threat to X rural commercial banks,making the profit level of X rural commercial bank declined significantly.In the face of such a survival situation,X rural commercial banks urgently need to change the original traditional thinking and formulate new development countermeasures in order to survive and develop.Therefore,the article analysis the environment and the actual operating situation of the X rural commercial bank,and makes a thorough analysis of its current operating situation.At the same time,according to the conclusions obtained from the analysis,make the development countermeasure of the bank.Specifically,the research contents of this paper include: The first chapter: Introduction,mainly introduces research background and significance,research status at domestic and international,research objectives and contents,as well as the research methods and technical routes.The second chapter: Relevant theory of commercial bank management,This paper elaborates the relevant theories of bank's operation and development,including the operational principles of commercial banks,the analysis of sustainable competitiveness and the theoretical analysis of platform economics.The third chapter: The analysis of the operation status of X rural commercial bank,introduces the summary of X rural commercial bank,including the reform process of domestic rural commercial banks and the reform process of X rural commercial bank.It also introduces the operation status of X rural commercial bank,including the analysis ofdeposit,loan,main financial revenue and expenditure,operation performance and comprehensive operation capacity of X rural commercial Bank.SWOT analysis method is also used to analyze the development advantages,disadvantages,opportunities and threats of X rural commercial bank.The fourth chapter: The development problems of X rural commercial bank.Based on the above theoretical analysis,summarize the existing problems in the operation and development of X rural commercial bank,and lists in detail as below:business and service simplification,business pressure highlighting,ability to resist risks urgently need to be strengthened,human resources need to be developed,network platforms and electronic banks need to be improved urgently.The fifth chapter: Management Development Countermeasures of X Agricultural Commercial Bank Summarize the development process of X rural commercial bank,it is concluded that the development countermeasures of X rural commercial bank are as follows: diversification on the platform of financial market,consolidation of market share,comprehensive development of main business,strengthening risk prevention and control,emphasizing talent training,promoting talent echelon construction,strengthening network platform and E-bank construction,etc.