Analysis Of The Operation Status Of X Village Bank In TL City

The issue of agriculture,rural areas and farmers is a problem that China has been discussing in recent decades,because it is closely related to the happiness of our people.The modernization of agriculture and rural areas plays an important role in promoting the modernization of our country as a whole.At present,the problem of inadequate rural financial development imbalance is most prominent in rural areas,and the task of financial reform is arduous.Rural banks are not only a new type of rural financial entity,but also the mainstay of rural financial institutions.They have the natural advantages of popularity and geography.The lower information cost and relatively short decision-making chain also provide opportunities for their development.As an emerging rural financial entity,rural banks have made certain contributions to serving the three rural areas and promoting rural economic development.On the one hand,it can break the monopoly of traditional rural financial entities such as rural credit cooperatives,agricultural banks and China Postal Savings,which is conducive to the formation of a benign financial competition pattern in rural areas.On the other hand,it can further improve and meet the funding needs of farmers.On the basis of defining the two basic concepts of market positioning of Village Bank and expounding relevant theories,this paper analyzes the operation status of TL city's X Village Bank from the dual perspectives of bank and customers based on the author's working experience in X Village Bank: From the perspective of bank,the operating conditions of X Village Bank is mainly analyzed from the following four aspects: the basic operating environment,business operation and financial status of X Village Bank;From the perspective of customers,the questionnaire survey is conducted on individual customers and public customers respectively,and the operation situation of X Village Bank is analyzed from aspects of customers' satisfaction with the existing products and services of the bank,on this basis,problems existing in the operation of in X Village Bank are analyzed,such as insufficient talent reserve,relatively single competitive pressure in business operation,small number of bank branches,limited professional level of employees and other problems.Finally,based on the actual situation,countermeasures and suggestions are put forward for X Village Bank from the aspects of innovating and expanding financial channels to improve the bank's risk management level and staff service level,improving the training mechanism and clarifying its own positioning.