Research On Sustainable Development Strategy Of Science And Technology Branch Of Bank Of Jiangsu Xuzhou Branch

In recent years,the financing of small and medium-sized technological enterprises in China has been a hot social concern.Due to China's imperfect capital market and the unique characteristics of small and medium-sized technology-based enterprises that are light-weight assets,high business risks,it is difficult for many technology-based SMEs to raise funds from traditional commercial banks.The government has specifically introduced policies to encourage the establishment of technology banks.Under this background,the Bank of Jiangsu(JSB)Xuzhou Branch's technology branch came into being.Since its establishment,JSB Xuzhou Science and Technology Sub-branch has been committed to solving the financing problems of science and technology SMEs,and has made corresponding contributions to the development of the local science and technology industry in Xuzhou.However,its shortcomings are still outstanding in the course of its operation,seriously restricting its long-term sustainable development.Therefore,this article,represented by JSB Xuzhou Science and Technology Branch,hopes to discuss the sustainable development strategy of JSB Xuzhou Science and Technology Branch while solving the "financing difficulties" problem of science and technology SMEs,in order to provide corresponding reference for the development of similar domestic science and technology branches.On the premise of drawing on domestic and foreign literature research,first this article analyzes the development status of JSB Xuzhou science and technology branch from a micro perspective,and accurately grasps the advantages and shortcomings in its development process;second,this article analyzes the location of JSB Xuzhou science and technology branch from a macro perspective including political environment,economic environment,social environment and technological environment,etc;third,the SWOT analysis system is used to analyze the strengths(S),weaknesses(W),opportunities(O),threats(T)of the JSB Xuzhou Science and Technology Sub-branch;then,this article chooses SO strategy and WO strategy as its development strategy through strategic combination.On this basis,drawing on the advanced development experience of successful technology banks at home and abroad,this article researches and puts forward the sustainable development strategy goals of JSB Xuzhou Science and Technology Sub-branch.In particular,in the current complex and changing economic environment,how does JSB Xuzhou Science and Technology Sub-branch use the good political environment and technology environment,give full play to its own reputation,customer positioning,product positioning and other advantages,overcome the series of shortcomings in its own development,continue to expand the market business space,improve its core competitiveness while controlling risks,and achieve long-term sustainable development.Follow the "market principle","innovation principle" and "risk control principle" in the process of strategy construction,this article researches and puts forward "four professionalizations" professional management” "specialized development","systemized operation","branded management",etc.At the same time,in order to promote the smooth implementation of the "Four Modernization" strategies,the research puts forward corresponding guarantee measures: first,strengthening the construction of professional teams,setting up full-time posts and creating professional services;second,reling on technology to build a risk evaluation index system to effectively reduce the "reverse choose" risks;third,cooperating with multiple platforms to expand the customer base,achieving risk allocation,and enhancing brand influence.With a view to constructing and implementing the development strategy of "four modernizations" of JSB Xuzhou Science and Technology Sub-branch,it will promote its core competitiveness,and then transform and upgrade to achieve sustainable development.