Research On The Transformation And Development Of Rural Commercial Banks In Pingyi

With the reform of national finance system,financial competition situation in economic environment of county regions has become more and more complex day by day.Government allows well-qualified nongovernmental capital to set up privately-owned banks according to law and actively encourages rural areas to set up new cooperation organizations.After more than ten years' development of state-owned commercial banks,government re-arranges the branches in county regions again,then joint-stock commercial banks also seizes the financial market in rural areas,the development of banks of agriculture and commerce are facing severe situation.Banks of agriculture and commerce are one important component of modern finance,are also the major driving force of new rural financial.Pingyi banks of agriculture and commerce are gradually developed from Pingyi County Rural Credit Cooperative Unions.As the financial organization with the most quantities and the the most extensive coverage in Pingyi county economic,it took its root in the rural areas for a long time and made great contribution for offering service to agriculture,rural areas and rural residents.However,with the spring up of the theory of private-owned banks these years,micro-loan companies and non-government finance companies are flourish everywhere,online finance is in the ascendant and some financial cooperation unions operate capital business out of scope,rural commercial banks are thus facing more and more complex and serve Competition situation.The inferior strength of Pingyi banks of agriculture and commerce appears gradually in competition:nubilous enterprise culture,low customer cognition,deficiency in corporate governance;scarce capacity of product research and development,single financial products,lack of innovative impetus;imperfection of risk-control system,slow development of big data,large gab lies in staff members' overall quality from staff in other state-owned commercial banks,severe shortage of professional reserve talents.Since the current business scope of Pingyi banks of agriculture and commerce is only limited to the economic of county area,in order to get rid of the inferior position in competition,transformation and upgrading is needed to increase market competition.By means of analyzing the current difficulties,this paper puts forward targeted scheme of transformation and upgrading to promotetransformation and upgrading.This paper introduces the research background,significance and goal at first,analyzes and summarizes the current situation of research at home and abroad,and clarifies the research methods of this paper.On this basis,this paper introduces the historical development of Pingyi banks of agriculture and commerce,then analyzes the current development situation,existing problems and challenges,bottlenecks faced in current business development,which reflects the necessity of transformation and upgrading of Pingyi banks of agriculture and commerce.According to the existing problems,this paper puts forward the goal of transformation and upgrading of Pingyi banks of agriculture and commerce,and then offers the scheme,including transformation based on management mode,development mode and product innovation.In the end,this paper carries on the future prospect of development situation after transformation and upgrading.Through the research of Pingyi banks of agriculture and commerce,comparison and analysis of other rural financial organizations,this paper figures out the advantages and disadvantages,so that to conduct self—perfect.The discussion of transformation of Pingyi banks of agriculture and commerce offers valuable materials for theoretical research of transformation and upgrading.