| The county economy has a pivotal position in the current economic development.At the Central Economic Conference,it was explicitly proposed to strengthen the county economy and improve the quality and level of rural financial services.Research on county economy is great significance for the realization of the entire region's economic development.Shandong Province is a strong economic province in China,but its development is uneven,and the gap between east and west has increased year by year.If you want to promote the economic development of the whole province,you must coordinate urban and rural development.The most important part of the county economy is county finance,which has a significant role in promoting economic development.In the past,the lack of knowledge and neglect of the county by financial institutions has led to the development of county-level financial services lagging behind urban areas.There is a single county-level financial business structure,lack of multi-level financial products and services to meet market demand,and relatively few staff and outlets,underdeveloped e-banking channels such phenomenon,we must highly valued and actively addressed.Commercial banks to finance the development of the county must be ahead of sensitivity,research strategies and measures to take the initiative to meet the development requirements of the situation,it is necessary to expand the county financial business as an important task,to seize the opportunity of economic development of the county,vigorously promote the adjustment of business structure.Commercial banks can no longer finance business in the county is equivalent to the previous rural finance,in addition to traditional deposit,loan,exchange and micro-finance,it should also include a variety of large-scale financing,investment banking and wealth management,and other diverse financial services.Based on the practical experience of working in commercial banks in Shandong Province,the author of the article mainly uses regional economics,statistics and other related theories to study the concepts and characteristics of county economy and county finance in view of the inhibitory factors of the development of county financial business in Shandong Province.According to the economic operation of Shandong Province and the status quo of the county financial market,combined with the current national policies and the economic environment of Shandong Province to analyze.Pointed out the value-added effects brought about by commercial banks' "three rural businesses" and the necessity for commercial banks to vigorously develop county finance,and put forward how commercial banks should take into account the establishment of branches,risk management,and financial product innovation in the course of their operations.And other solutions to a series of problems.Using the SWOT analysis method,analyze the internal advantages,disadvantages,external opportunities and challenges faced by Ping An Bank J branch in the county financial market development.Finally,based on the current factors affecting the development of county finance by commercial banks in Shandong Province,the outstanding case of Ping An Bank's Shouguang Vegetables to open up the industrial chain financial project is cited,and the specific development strategies of commercial banks to develop county financial services in Shandong Province are studied,and they strive to improve the operation of commercial banks.Achievements,promote the development of county finance in Shandong Province,and complete the sustainable development strategic goals of commercial banks. |
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