Research On The Strategic Transformation Of L Rural Commercial Bank From The Perspective Of Agricultural Supply Chain Finance

With the continuous development of China’s economy and society,the current financial industry is in an era of extremely fierce market competition and strict supervision.A new round of national reform and strategic adjustment has begun,and the national market has put forward new requirements for the development of banks.As the main force of rural financial market,rural commercial bank is the key link to realize the national strategy of supporting agricultural development.Since its establishment,L rural commercial bank has made some achievements through rapid development and gradually become a large local bank.However,under the current severe situation,L rural commercial bank needs to find a new development idea and business strategy from the perspective of agricultural supply chain finance in combination with its own actual situation.From the perspective of agricultural supply chain finance,how to determine the development and strategic transformation direction of L rural commercial bank,find the market positioning,give full play to the differentiation advantages and enhance the core competitiveness of enterprises is the main content of this thesis.This thesis takes the strategic transformation of L rural commercial bank as the research theme.By referring to the literature at home and abroad,on the basis of summarizing the relevant research results and theories of strategic transformation,agricultural supply chain finance and the impact of agricultural supply chain finance on commercial banks.This thesis focuses on the analysis of the internal and external environment and development status of L rural commercial bank in the form of literature analysis,research analysis and SWOT analysis.When analyzing the development status of L rural commercial bank,combined with the research means,this thesis focuses on understanding the problems encountered in the development of the bank and the attitude and ideas of the senior management of the bank on the implementation of strategic transformation,and makes an in-depth analysis of the strategic environment for the development of L rural commercial bank from the perspective of agricultural supply chain finance.Then use the SWOT analysis method to study the advantages and disadvantages,opportunities and threats of L rural commercial bank,further clarify the problems encountered by L rural commercial bank in its development,such as unreasonable banking structure,single business type,personnel quality to be improved,decline in loan quality,and explore the way to solve the problems and transformation framework.Finally,draw the research conclusion,summarize the implementation path of L rural commercial bank’s strategic transformation in five aspects: reforming organization and management,innovating products and services,strengthening internal control construction,promoting talent construction and providing supply chain financial services from the perspective of agricultural supply chain finance,and put forward corresponding safeguard measures from the organizational level,technical level,risk control level and assessment level,in order to make sure the success of L rural commercial bank’s strategic transformation from the perspective of agricultural supply chain finance,and also provide a useful reference for other rural commercial banks to carry out similar strategic transformation.