The Research On The Development Strategy Of Shanxi Yuncheng Rural Commercial Bank

During the 13 th Five-Year Plan period,the opening of the financial markets which bring the new chance for the development of the RCB,in the same time,along with the deepening of financial reform and the continuous improvement of China’s financial system have promoted the development of China’s financial economics.In recent years,with the development of China’s rural financial system,rural credit cooperatives have been changed to rural commercial banks after the reform.The rural commercial banks after the restructure as the main force will still make contributions to the San Nong(including the agriculture,rural areas,and farmers)in the same time,will support the balancing of urban and rural development and construction,promote the development of small and medium-sized enterprises and drive the development of small and micro businesses.The rural commercial banks after restructure will refine companies’ corporate governance actively,develop new business which will adapt to the current financial and economic and enhance the competitive power in the market with the development of all aspects of the banking.Meanwhile,many of China’s rural commercial banks have implemented internet finance integrating the traditional businesses with the internet with the help of the communication technology and information,realizing the new financial business mode which include financing,internet payment and network investment.This article is focusing on the research of Yuncheng rural commercial banks.Basing on the relevance theories such us Corporation Management Strategy,Rural Finance Theory and Interconnected Financial Theory and so on.This article study the development strategy of the rural commercial banks and in the same time,detailed analyze the internal and external environment according to the present development condition of the rural commercial banks and their advantages and disadvantages of development.Using SWOT Analysis method to have specific analyses about the development strategy of Yuncheng rural commercial banks.However,under the present competitive financial environment,Yuncheng rural commercial banks need to continue to enhance the competitiveness in their relatively weak aspects.In the business market,Yuncheng rural commercial banks need to subdivide and classify the existing customers and potential customers.What’s more,they also need to analyze financial management technology,financial services,the enterprise’s organization culture and human resource so as to guarantee the implementation of the developmentstrategy of rural commercial banks.