Study On The Strategic Development Of Jiu Tai Rural Commercial Bank

At present,our country market economy unceasing development,transformation and reform,many Banks are seeking to the community bank transformation is the current many Banks in the direction of choice.For small and medium-sized Banks how to grasp the existing resources development of community Banks,how to deal with the impact of the Internet financial,how to get out of the own characteristic line is current problems we have to face.In recent years,along with the accelerated the marketization of interest rate process,financial disintermediation trend has become increasingly apparent,the domestic banking industry increasingly fierce competition,more and more small and medium-sized Banks seek strategic transformation,promote the community financial services.In the United States,community Banks to provide loans to small and medium-sized enterprises,through the flexible management mode for the local residents and community Banks of small and medium-sized enterprises to provide specialized targeted the financial services,to promote the development of the current community Banks,the prosperity of the local market economy.But in our country,community Banks still belongs to new things,started late,but the community Banks function of support for small and medium-sized enterprises and the local economy has aroused people's concern.Small Banks in China,many home into the primary stage of the development of community Banks,city commercial Banks and rural cooperative financial institutions has become one of the most Banks with community attributes.However,under the condition of imperfect market economy operation,the development of small and medium-sized Banks and the western developed countries have a quite different community Banks.In this paper,according to the development of China's current financial situation combined with community bank of JiuTairural commercial bank to the needs of the community bank transformation,the development of community bank of JiuTairural commercial bank described the current situation and problems,on the face of external opportunities and threats,and the advantages and disadvantages of internal system analysis,and put forward the community bank of JiuTairural commercial bank transformation and upgrading of the development strategy and the strategic implementation safeguard measures.First of all,through the description of community bank of JiuTairural commercial bank development status of commercial bank,puts forward the existing problems in the development of enterprise at present and analyzed the reasons.Second,using PEST analysis model,from the political environment,economic environment,social environment and technical environment square in the face of community bank of JiuTairural commercial bank analyzes the external environment for the development of community Banks,the EFE matrix to analyse and evaluate the external factors;Next to the community bank of JiuTairural commercial bank internal analysis of the development of community bank,IFE matrix to analyse and evaluate the internal factors.Again,using the SWOT analysis model,external opportunities and threats,internal advantages and disadvantages were analyzed,and through comprehensive opportunities,threats,advantages and disadvantages,SO formed a settlement growth strategy,ST diversification strategy,WT strategy,WT four strategic defensive strategy,make strategic choice for JiuTai community bank of JiuTairural commercial bank or strategic combination.Finally,through the comprehensive analysis,select the SO growth strategy and strategic options and guarantee measures are put forward.Through analysis and research of this article,in order to JiuTairural commercial bank the development strategy play a guiding role,and to give full play to their strengths,breakthrough management bottleneck and realize sustainable development.At the same time also for the same type of bank development strategy for reference.