The SWOT Analysis Of Credit Operations Development Strategy Of Agriculture,Rural Areas And Farmers Of Dongtai Rural Commercial Bank

Dongtai Rural Commercial Bank was founded in 2012.After five years of development,it has became the hard core of financial institution of the construction of the "three problems about countryside,agriculture and farmers" in Dongtai,along with the promulgation of "the Yangtze river delta urban agglomeration development plan" and the deep exploration of the transformation of the economic development model of Dongtai,these are all bring new opportunities and challenges to the development of Dongtai Rural Commercial Bank.Therefore,it's meaning for the analysis of the "three problems about countryside,agriculture and farmers" credit business development strategy of Dongtai Rural Commercial Bank has great significance for its own development and the construction and it's also of great value to the construction of the " three problems about countryside,agriculture and farmers " in Dongtai.This paper analyzes the advantages,disadvantages,opportunities and challenges of the "three problems about countryside,agriculture and farmers" credit business of Dongtai Rural Commercial Bank through the SWOT analysis.It is founded that Dongtai has four advantages that rural commercial banks have the network distribution,simplify organizational structure,lowly product costs and profoundly customer base;but its also has several relatively huge disadvantages in risk control,personnel quality,agriculture-related products;At the same time,the construction of the new Yangtze River Delta urban agglomeration,the rapid development of agriculture of Dongtai and the opportunity supported by government will bring a lot of financial funds and a large number of customers basement for the "three problems about countryside,agriculture and farmers" construction belonged to Dongtai rural commercial bank;Industry competition and seriously natural disasters in rural of Dongtai are major threatens for their developed period.Then,based on the analysis of the development experience of Changshu Rural Commercial Bank and Jiangnan Rural Commercial Bank,i think that in order to realize its "three problems about countryside,agriculture and farmers" credit's further development,Dongtai Rural Commercial Bank needs to implement the three strategies of differentiation,human resources,innovation and development.