Research On The Management Strategy Of Guangdong A Rural Commercial Bank

In 2018,the Central Committee's No.1 Document "Opinions on Implementing the Rural Revitalization Strategy" mentioned that to maintain the overall status and quantity of rural credit cooperatives in the county,the local financial institutions should serve the rural revitalization.As the main force supporting agriculture,the rural cooperative institutions(including rural commercial banks,rural cooperative banks,rural credit cooperatives,the same below)face many new development difficulties and new difficulties because of their "small and scattered".For example,high-quality customers who support and grow up are lost due to the insufficiency of service demand.Large-scale large-scale projects are difficult to connect due to capital strength constraints,product research and development capabilities are weak,talent support and lack of scientific support.At present,preventing and defusing financial risks has become the first of the "three major battles." In April 2018,the China Banking Regulatory Commission was formally established,marking the beginning of a new era of supervision,and the strong regulatory situation will continue.How can a rural cooperative institution in a county with a relatively backward economy take a new role in the new era?This article takes Guangdong A Rural Commercial Bank(hereinafter referred to as “A Rural Commercial Bank”)as the object,based on the strategic management of the enterprise and the current theory of bank management,comprehensively analyzes its external and internal environment,as well as the analysis of existing business strategies.The optimal strategy for the development of A Rural Commercial Bank,combined with the author's years of banking management practices,to conduct exploratory research on how to implement the various tactical arrangements for this strategic transformation.The specific research work of this paper is as follows: By reviewing the development history of A Rural Commercial Bank,analyzing the existing problems through the current situation of the business,and summarizing the internal environment of A Rural Commercial Bank(including resources,core capabilities and analysis of existing business strategies),and then The PEST model is used to analyze the external macro environment faced by A Rural Commercial Bank,and the Porter Five Force Model is used to analyze the industry competition environment faced by A Rural Commercial Bank.Based on the analysis of SWOT model,the optimal business strategy and specific implementation strategy suitable for the current situation and future development of A Rural Commercial Bank are put forward,including: 1.Adhere to a certain position: adhere to the party's leadership,base on the county and the three rural areas,and build “ Small and beautiful county-level modern financial enterprises;2 explore two ways: explore the confusion and choice under the new political cycle and the new economic cycle,explore synergistic methods to adapt to the multiple nature of different subject objectives;3 implement three enhancements: big data management Level,refined management level,comprehensive risk management level;4 key maintenance of three types of customers: government,major customers,Sannong and Xiaowei;5 pioneering three innovations: financial market business,financial technology,large retail business.