Research On The Credit Business Development Strategy Of Agricultural Development Bank Of China In H City

The Agricultural Development Bank of China(hereinafter referred to as ADBC)is the only agricultural policy bank in China.It was established on April.19 th,1994and is directly under the leadership of the State Council with a registered capital of fifty seven billion yuan.As a secondary branch,ADBC in H City has a slow pace in the process of high-quality development.The reasons are the increased downward pressure on the economy,increased instability factors in the development of the financial market,the painful effect of industrial structure adjustment and the acceleration of the transition of the economic development model.The manifested phenomenon is the slow development of traditional grain,cotton and oil business,the slow development of medium-and long-term loan business in agricultural infrastructure construction,the high self-operating(commercial)loan non-performing rate,and the increase in financing costs and the reduction in profit margin.Therefore,the credit business development strategy of ADBC in H City needs urgent adjustment.This article takes the credit business of ADBC in H City as the research object,the purpose is to explore the strategy to promote its high quality development.First,describe the development status of the credit business of ADBC in H City and analyze the internal environment.Therefore summarize the advantages and disadvantages of the credit business of ADBC in H City.Then use the macro environment(PEST)analysis method to analyze the main competitors and the external environment of the credit business of ADBC in H City.Therefore sort out the opportunities and challenges of the credit business of ADBC in H City.On this basis,SWOT is used for aggregate analysis,and IFE and EFE matrices are used for quantitative analysis and then determine the credit business development strategy of ADBC in H City.Through the research above,it is finally determined to adopt a growth strategy(SO),that is,to rely on the functional advantages of policy banks and take advantage of local economic development opportunities in H city to achieve the transformation and development of credit business.On the specific path,we should start from the aspects of consolidating policy businesses,innovating fund raising models,expanding business scope and improving asset quality,etc.,so that ADBC in H City can become a branch of ADBC with an excellent asset quality,scientific management,good risk control and developmental features,not only to achieve economic development andreform goals,but also to optimize financial resources and enhance its competitiveness in the local financial industry in H City.