Research On The Competitive Strategy Of JNS City Commercial Bank Credit Business Development

The city commercial bank of China by the original city credit cooperatives reorganization and consolidation,small and medium-sized enterprises and individuals to provide for the area saving and financing services,play a large role on the development of local economy.Compared with larger Banks,the development of Chinese city commercial bank credit business with regional and network advantage,but in the credit asset scale,professional talent pool,credit product research and development has obvious disadvantages.In recent years,the development of the credit business of urban commercial Banks has faced difficulties,while the slowdown in economic growth has led to a surge in non-performing loans.On the other hand,the homogeneity of credit products is hard to show the competitive advantage.So differentiation strategy research in city commercial bank credit business,in order to get rid of the bottleneck for the development of homogeneity,explore a suitable for small and medium-sized bank credit business development path,has important significance.Taking JNS city commercial Banks as the research object,the overview of JNS city commercial bank credit business development present situation and the competition strategy management theory and related to the study of literature,on the basis of using the model tools such as PEST analysis and SWOT analysis of JNS city commercial bank is analyzed and the research of internal and external environment,for the JNS city commercial bank credit business development to build the practical,simple differentiation competitive strategy.Finally,this article from the operating mechanism construction,evaluation mechanism,business products,credit mechanism construction,technological innovation in five aspects,such as formulating implementation plan,ensure that JNS city commercial bank credit business smooth implementation of differentiation strategy.The innovation of this paper is presented as follows: one is to put forward the development strategy of the small business credit business of the commercial bank of the city with Chinese characteristics;Second,the implementation plan of establishing the Internet finance business platform by combining the city location of the city with the city commercial bank of the city is put forward.Third,the model of pay system construction based on the classification system of sales personnel is proposed.The above three points of innovation can serve as a guide for city commercial Banks to effectively develop the credit business competition strategy.The innovation of this paper is presented as follows: one is to put forward the development strategy of the small business credit business of the commercial bank of the city with Chinese characteristics;Second,the implementation plan of establishing the Internet finance business platform by combining the city location of the city with the citycommercial bank of the city is put forward.Third,the model of pay system construction based on the classification system of sales personnel is proposed.The above three points of innovation can serve as a guide for city commercial Banks to effectively develop the credit business competition strategy.In this paper,the research has positive significance,and in the state-owned Banks have universality,this research for our country city commercial bank credit business competitive strategy choice provides a sample and reference solution.