Research On The Development Strategy Of Rural Commercial Bank In Q City

In the economic and social development,rural commercial banks(hereinafter referred to as “rural commercial banks”)have continuously enhanced their value creation capabilities,becoming an important force in modernization of the local financial systems.It steadily plays a major role in supporting local economic construction and promoting rural revitalization and development.Faced with the strong impact of the advent of the digital era and the increasingly fierce market competition among the financial industry,rural commercial banks(as local commercial banks)are facing unprecedented challenges.Based on the development example of Q Rural Commercial Bank,this article analyzes the research results of banking development strategies at home and abroad as well as the current situation of Q Rural Commercial Bank’s operation and development.It clarifies the macro environment,industry environment,and internal environment changes faced by Q Rural Commercial Bank in the process of marketization,and uses SWOT analysis to deeply analyze the development advantages,disadvantages,opportunities,and challenges of Q Rural Commercial Bank.From the perspective of sustainable development,we have formulated growth-oriented,reversal-oriented,and defense-oriented strategies to serve its long-term development.The goals of CCB,Centennial Bank,and even the top 100 domestic banks is clarified focus on promoting the implementation of its development strategy from aspects such as business strategic positioning,development channel innovation,low risk business development.We have provided feasible measures to optimize organizational structure,manage risks throughout the entire process,establish marketing mechanisms,manage human resources,and innovate online finance in order to ensure the smooth implementation of its development strategy.