SX Rural Commercial Bank Competitive Strategy Research

In the process of the development of socialism modernization, China has been putting the new countryside construction in a very important position. The construction of new countryside depends on developing the rural economy, the rapid development of the rural economy is inseparable from the support of rural financial institutions. China doesn’t have many rural financial institutions, and the low rural financial service level also restricts the level of rural economy which also determines the decisive significance of the reform of rural financial institutions for the new rural construction. Only exoteric and harmonious rural financial environment can do new rapid development of rural area. Rural commercial bank as one active amember in the fertile soil of rural finance in China, has been playing the role of the main force of rural finance. However, the rural commercial banks have been in a weak economic foundation from state-owned banks and other financial institutions, are facing more and more fierce competition environment.In view of the above problems and requirements, this paper attempts to launches the research around the rural commercial bank, to the competitive strategy as the research object, by collecting the first-hand data of SX Rural Commercial Bank of investigation and research, to explore for SX rural commercial bank development strategy.Community service, service for agriculture, services to small and medium enterprises, service County for the purpose of SX rural commercial bank has been to county rural market as a center of business to want to gain a competitive advantage in the competition, the SX rural commercial bank must adhere to the operating characteristics, to provide the characteristic service. In the operation of the market, rooted in the rural market, open up the market in the town; in the internal management, improve the structure of the company; in the means of profit, continue to broaden the own path to profitability, increasing the types of business, rich product system.Firstly, from the external competition environment and internal environment of competition start, introduce PEST analysis, five competitive model environment analysis means, respectively, of SX rural commercial bank in the macro environment and industry environment analysis, through the analysis of the ability of the company, the analysis of company resources, enterprise culture of analysis of three dimensions of SX rural commercial bank’s internal environment of comprehensive analysis.On the basis of analysis of the internal and external environment, based on the SWOT analysis method, carries on the summary to SX rural commercial bank’s advantages and disadvantages, opportunities and threats. Next, on the basis of SX rural commercial bank market positioning and corporate vision, using synthetic matrix model choice of its overall strategy, determines the goal of competition strategy. Combination of SX rural commercial bank overall strategy and competition strategy. In this paper, through the comparative analysis finally chose the poor dissimilation strategy as the SX rural commercial bank’s competition strategy, and has carried on the design strategy, mainly including the following aspects:urban and rural markets differentiated management, customer service operation differentiation, differentiation of brand operation, profit channel diversification, marketing channel diversification of three basic competitive strategy.Finally, in order to ensure the effective implementation of differentiation strategy, this paper presents the specific means of implementation of the rationalization, including:perfect corporate governance mechanism, reasonable planning personnel structure, to achieve business process transformation, strengthen business product development and innovation, strengthen the building of enterprise culture and so on. At the same time, the paper also presents a strategy for the implementation of effective control measures to ensure, including two aspects:implement security measures, to ensure the implementation of the strategy, strengthen internal management, optimize the risk management and control.