Study On The Strategic Transformation Of Pengcheng Rural Commercial Bank

With the rapid development of China's social economy,the financial industry is in an environment of a new economic normal,extremely fierce market competition and strict supervision.The new round of transformation and upgrading and strategic adjustment are on the way.The road of sustainable development puts forward higher requirements.Rural commercial banks are an important part of China's financial system.As the main force of rural financial institutions,they play a pivotal role in the implementation of the national policy of small agricultural and agricultural development.Since its establishment,Pengcheng Rural Commercial Bank has achieved rapid and efficient development and achieved very good results,becoming the financial institution with the highest market share of local deposits and loans.However,facing the current severe market environment,problems such as “difficulty in loan placement,slow deposit growth,narrow interest margin,weak risk prevention and control,and poor ability to innovate” are becoming increasingly prominent.How to better grasp new opportunities and respond to new The challenge is that Pengcheng Rural Commercial Bank needs to find new development ideas and new business strategies based on its actual situation.How to formulate a development and transformation strategy,find out the market positioning,and make full use of differentiated advantages to strengthen core competitiveness is an important subject of this paper.This article takes strategic transformation and development as the research theme,and aims at the current development situation of Pengcheng Rural Commercial Bank.Through macro environmental analysis(PEST analysis),this paper studies the macroeconomic environment of Pengcheng Rural Commercial Bank at home and abroad at the current stage,including politics,economy,social culture,science and technology.;Use industry environment analysis to find its position in the industry competition;Through internal environment analysis,fully understand your deficiencies and competitive advantages;Use SWOT analysis method to explore the external opportunities,threats and internal advantages and disadvantages of Pengcheng Rural Commercial Bank.From the internal environment and the external environment,analyze the causes of the problems,and then put forward the thinking of the strategic transformation and development of Pengcheng Rural Commercial Bank: based on serving the "three rural",local banks serving small,medium and micro enterprises;based on the rural market Characteristic banks;modern commercial banks with scientific and efficient management and complete institutional processes;and eventually become regionally competitive,specialized,and specialized rural commercial banks.Based on the concept of transformation,combining the theory of strategic management with the actual situation of Pengcheng Rural Commercial Bank,in order to improve the innovation ability,asset quality,risk management level,organizational structure and operation ability of Pengcheng Rural Commercial Bank,it proposes strategic adjustment proposals for transformation and development and The specific implementation plan also provides reference for other rural commercial banks in strategic research and management effectiveness.The paper has 16 figures,9 tables and 82 references.