Research On The Promotion Of Competitiveness Of The Hefei Scientific & Technological Rural Commercial Bank

After the reform and opening up,the state has been paying special attention to the financing problem of agriculture,rural areas and farmers.At present,for China,a particularly weak link in the financial system is still the rural financial system,which is still not able to meet the needs of residents in the local rural areas.In order to make the rural financial system better serve the "three rural issues",the state has also made many strategic initiatives,such as increasing investment in the rural financial system and reforming the rural financial system.In these measures,it is of great significance to the reform of the rural credit cooperatives.In 2001,the city of Zhangjiagang,Changshou and Jiangyin in Jiangsu province of China established agricultural business banks.As an important part of the financial system,the rural credit cooperatives set off a wave of reform.With the strong support of the state policy and supervision departments,most of the agricultural credit cooperatives in China have been reformed into agricultural and commercial banks.In June 2003,the State Council issued relevant policies to carry out the reform of rural credit cooperatives in major cities throughout the country.According to the relevant data show that as of the end of 2016,China set up 1055 agricultural businesses,assets totaled 20 trillion and 198 billion 870 million yuan,accounting for the total assets of China's commercial banks 8.7%,the asset size of more than 500 billion yuan to reach 5,plays an increasingly important role of agricultural firms in our country financial system development and in the process of economic construction.At present,China's financial market unprecedented fierce competition,the process of marketization of interest rates continue to improve,to obtain the traditional deposit interest margin of commercial banks,especially the formation of rural credit cooperatives from the development and reform of agricultural business,a huge shock,and with widespread changes in customer demand for investment and consumption the concept and financial disintermediation,in addition to the establishment of innovation network bank and non bank financial institutions and financial products,and the diversion of commercial banks have a large number of customer groups,to make the commercial bank profit margins shrink,compared to other commercial banks,agricultural firms set up a short time,business profit model is single and still left with the shortcomings of rural credit cooperatives,in this context,agricultural firms survival and development is particularly difficult,therefore need to combine The related evaluation methods are used to analyze the competitiveness of agricultural banks,and on this basis,the countermeasures to enhance competitiveness of agricultural banks are put forward,so that agricultural businesses can survive in the white hot market competition.This paper selects the first agricultural Commercial Bank of China,which is built in the capital city of China,as the research object,and analyzes and studies the countermeasures to enhance the competitiveness of the Hefei Science&Technology Rural Commercial Bank.In this paper,firstly the basic theory of the competitiveness of commercial banks to conduct the research,provide a theoretical basis for the following discussion,the analysis has three parts,respectively is the theory of competitiveness theory,Potter competitiveness to the external market environment as the center of the resources on the basis of internal resource centered theory,core competence as the center,and then evaluation method a discussion on the competitiveness of commercial banks,combined with the above theoretical basis chose Potter five evaluation method.Secondly,to construct the competitiveness evaluation system of the Hefei Science&Technology Rural Commercial Bank,this paper holds that the factors that affect the competitiveness of the Agricultural Bank of China are in turn,the factors of persistence,potential,reality and environment.The first three are internal factors,and the index of persistent factors mainly is enterprise culture,brand effect,innovation level,scientific and technological progress ability,human resource management,and potential factor index is mainly to customer relationship,risk,marketing management and corporate governance ability.Overall performance,profitability,development ability and scale level,the main indicators of the first three elements are analyzed in this process.The environmental factors are external factors,which are divided into macro and micro environment.The former is mainly government factors,national and regional economic level,legal system and social credit.The latter combined with the above theory and evaluation methods,the main indicators are the threat of potential alternatives,the bargaining power of the buyer,the competition of the existing banks and the threat of new entrants.Furthermore,a brief overview of the Hefei Science&Technology Rural Commercial Bank and the analysis of its competitiveness on the basis of the previous article are analyzed.That is to analyze the four factors that affect the competitiveness of the Hefei Science&Technology Rural Commercial Bank.It is concluded that the competitiveness of the Hefei Science&Technology Rural Commercial Bank is not perfect and the strength of product innovation is insufficient.Lack of scientific and technological talents,lack of human resources management and risk management ability.Next,we selected nine representative banks from hefei to form a sample bank with the Hefei Science&Technology Rural Commercial Bank,combined with the competitive evaluation system of the previous article,and selected the realistic factor indicators that each bank could compare in 2011-2016 to compare and score,making the analysis of the competitiveness of hefei science and agriculture more representative.Finally,on the basis of the foregoing,it puts forward corresponding suggestions to enhance the competitiveness of Hefei branch.We should improve the following seven items:first,strengthen the construction of the enterprise culture system;second,improve the product innovation ability,optimize the income structure;third,improve the organizational structure independence,improve the corporate governance;fourth,strengthen the customer relationship management,improve the marketing situation;fifth,improve the risk management ability,improve the ability to improve the risk management,and improve the ability to improve the risk management,and improve the ability to improve the risk management,and improve the ability to improve the risk management;sixth,improve the employing mechanism and improve the level of science and technology;seventh,reduce administrative intervention and strengthen the legal system.