Research On The Interactive Win - Win Mechanism Of Fu Dian Bank And Local Government Under The Guidance Of Service Innovation

Along with our country’s financial reform, opening up and development andchange constantly, increasingly fierce competition between Banks, commercial Banksare facing more complex and changeful environment. Rich yunnan bank as aprovincial state-owned commercial Banks, compared with the big four state-ownedcommercial Banks, both in basic management, technology support, talent reserves,cognitive ability to resist risk, market far; Compared with other shareholding systemof small and medium-sized Banks, started again late. Compared with the rural creditcooperative association, mass base, network coverage, the number of people andChengYuan apart. In the fierce market competition, the rich yunnan Banks to assessthe situation, foster strengths and circumvent weaknesses, give full play to theprovincial government to the advantage of short radius of the controlling shareholderand decision, strengthen the political cooperation, silver financial business bigger andstronger. But in the current financial regulatory policy situation, the traditionalproducts have been unable to meet rich yunnan Banks to local governments at alllevels to provide effective financial service requirements. Rich yunnan bank onlycontinuously explore and research, positive in terms of product innovation, timelymeet the demand of local governments at all levels of financial services, can hold andstronger financial business, can be in an impregnable position in the financial market,to become bigger and stronger in the financial industry.in this study, the article discussed and analyzed the past and present relationshipbetween the local governments and the local commercial banks in China. And takingFudian Bank as example, I analysis the positive and negative effects between them.This study based on both theory and practice, combined with Fudian bank currentsituation development strategy is studied the Fudian banking background and existingproblems of the development strategy of the system and needs to be improved. Thedevelopment of the bank is not only restricted by the local government management,also affected by the degree of local economic development, city commercial bank ownership structure limits its expansion and development. In view of the existingproblems and improvement of local proposed Fudian bank innovation anddevelopment of new concept, and according to the Fudian bank of strategicpositioning and strategic objectives, build the specific interactive win-win mechanismof the establishment of the effective way. The local governments and localcommercial Banks is an important mechanism of mutual cooperation, enhance theconsensus in the field of each other, and build up the idea of interactive win-win, withgood economic foundation to promote the establishment of the mechanism. In theincreasingly fierce market competition, the rich Yunnan bank only original innovationmechanism, adjust their business strategy, establish new interactive cooperationrelationship with local government, in order to better cope with the marketuncertainty and fuzziness, ensure the long-term sustainable management. Theestablishment of a new type of interactive win-win mechanism, make the FudianBank to effectively implement strategic goals at all levels, to ensure that the strategicimplementation of works carried out around the enterprise overall strategic target, soas to realize a virtuous cycle of enterprise management. This not only has importantsignificance to the development of Fudian bank, also has certain referencesignificance for other Banks.