Research On Development Strategy Of Harbin Rural Commercial Bank

Over the past 10 years,with the emergence of China's economy,China's banking industry becomes the core strength of value creation of global banking industry,and its profit has increased from 5% in 2005 to 25% in 2014.But its growth trend in 2012-2014 significantly slowed down to only 8%,well below the30% compound annual growth rate during 2005-2012.At the same time,digital technology continues to get the customer's share of the wallet through erosion of the banking business,leverage customer relationships,and erode the monster.Among them,the focus of the attack is intermediary business income,which is the bank's most attractive business.Under such a banking development background with so many crises,Harbin Rural Commercial Bank,a commercial bank that restructured from Harbin suburban rural credit cooperative unions in2015,must face a severe challenge as to how to get a place in the future industry competition.This paper starts from sorting out the current bank development strategy studies at home and abroad,and on the basis of introducing the basic situation of Harbin Rural Commercial Bank.In order to achieve the long-term healthy development of Harbin rural commercial bank,this paper formulated the Harbin rural commercial bank development strategic vision and objectives,and uses SWOT method to analyze the advantages,disadvantages,Harbin rural commercial bank facing opportunities and challenges,and ultimately determine the overall development strategy and development strategy and business level.Finally,In order to ensure the smooth development of Harbin Rural Commercial Bank,this paper puts forward the safeguard measures of the development of innovative Internet financial services,emphasis on customer experience to improve service quality,improve risk control mechanisms and the establishment of a sound salary system.