The Study Of The Rural Commercial Bank The Core Competitiveness Of The Economic Transformation

China’s current rapid economic growth,this momentum will continue for a long period of time,in China’s current macroeconomic environment,rural commercial banks are facing a good opportunity,but also challenges.China’s rural commercial banks as a newly reformed local corporate banks,generally have local enterprises shares,with a strong geographical color and policy support,its advantages as long as the foothold in regional economic development,with the rapid development of government support;Especially in China’s current public entrepreneurship,Peoples innovation of the new situation,the Agricultural Bank of China for different business customers to carry out a variety of business opportunities,Financial services and product innovation,in the face of different levels,different needs of enterprises,to maximize their needs to meet.Agricultural Bank of China is different from other commercial banks is serving as the"three rural" financial main force,with the development of China’s agricultural modernization in-depth development in rural areas,is conducive to speeding up the economic development of rural areas.However,China’s economic restructuring is surging,rural commercial banks also face many problems,such as the bank’s financial structure is irrational,the traditional banking model can not adapt to the new economic environment,the profit model is relatively simple,the demand for employees,but The overall quality is not high,the risk management is also difficult to keep up with the level of traditional commercial banks,the development of new outlets and hardware facilities lack of financial security,while the management software system is also relatively weak self-development capacity.This paper summarizes the core competence of the commercial banks by comparing with the traditional commercial banks,and points out that the rural commercial banks should base their efforts on the development and update their concepts.Leading industries,but also the development of other businesses,good service small and medium enterprises should also dig deep customer potential,and vigorously develop bonds,financing,funds and financial management and other intermediary business,give full play to small commercial banks,large platform regional advantages,So as to compete with the traditional commercial banks,in favor of invincible.