| The concept of new urbanization makes urban planning trend to fine.The traditional neighborhood relationship has gradually changed to "community" cluster relationship,and the trend of community clustering is obvious.Community banks appear as the times require.Community bank is an inevitable result of the transformation and upgrading of the consumption community,but the community service is still on the stage of popularity in domestic,the financial services community hasn't fused with the consumer demand of community group.The corporate culture of financial institutions failed to integrate with the community culture will become the biggest challenge of banking into the community.In GD,the financial institutions,represented by GD Rural Credit Union,take the community bank as the carrier,and make an active and effective exploration to the Inclusive Finance.At present,the development of community banks has become one of the most effective ways and ways to push forward the Inclusive Finance and banking industry to create new retail formats.In the process of development of new retail banking,community banks are increasingly rich no matter in the number of outlets,service mode,service contents or other aspects,but there are still problems such as definition of fuzziness,services need to be improved,narrow radiation,higher profitability and lower real financing cost.This paper is based on the Inclusive Financial and strategic management theory,takes ZQ Rural Commercial Bank as an example,to comprehensive with the research results of domestic and foreign literatures and experts and scholars,focuses on the study of strategic management process of ZQ Rural Commercial Bank.Specifically,it divided into three links of strategic analysis,strategic choice and strategic guarantee.For the strategic analysis of ZQ Rural Commercial Bank,this paper summarizes the basic situation of the bank and its internal structure,asset size,profitability and other core data,with the use of EFE,IFE,SWOT and other analysis tools to make a systematic analysis on the political and legal environment,economic environment,cultural environment,technological environment,industry environment and competitive environment,the overall resources,enterprise ability and disadvantages.For the strategic choice of ZQ Rural Commercial Bank,this paper uses the SWOT matrix to analyze the four major alternative strategies of SO,WO,ST and WT.On the basis of the management characteristics,internal resources and comprehensive strength of ZQ Rural Commercial Bank,the strategy of promoting the construction of regional banks under the SO-Inclusive Finance view is proposed as ZQ Rural Commercial Bank's mainly strategy with others as supplement.For the strategic guarantee of ZQ Rural Commercial Bank,this paper puts forward such measures as scientific management of management strategy,fine resource allocation,specialization of service system and normalization of risk control,in order to ensure the smooth implementation of community bank strategy.The research aims to select the development strategy of rich rural commercial bank,to provide reference and guidance for the development of ZQ Rural Commercial Bank and other commercial banks. |
