| China is a big agricultural country,"three agriculture"(rural,agriculture,farmer)is the most important question and challenge facing in our country’s economic development.Rural commercial Banks are an important part of China’s rural financial system,and have made great contributions to the service of agriculture,rural areas and farmers.At present,the trend of China’s economic development,structural optimization and dynamic transformation is becoming more and more obvious,and the financial development under the new normal is undergoing profound changes.In recent years,with the gradual improvement of China’s rural financial system,the reform of cooperative system,joint-stock system and commercialization of rural credit cooperatives has attracted much attention.Rural commercial bank from the rural credit cooperatives reform for rural commercial Banks,according to the modern commercial bank mode,the establishment of a sound corporate governance structure,the performance is in good condition.However,in the face of the complex external environment and the financial sector has become increasingly fierce competition,rural commercial Banks need to clear the strategic target,to determine the development strategic target positioning,formulate implementation measures,through self-improvement,enhance competitiveness and achieve sustainable development.The this article first to the related financial two theory are analyzed,and the development strategy for MJ rural commercial bank to lay a solid foundation in terms of strategic planning,then analyzes MJ its own advantages and disadvantages of commercial Banks and the external influence factors,with SWOT analysis method to determine MJ rural commercial bank the existing strengths,weaknesses,opportunities,threats,and market positioning,finally,combined the actual area for MJ rural commercial bank development strategy,and implementation of the scientific and reasonable protection.As a local rural financial institution,rural commercial Banks need to formulate effective strategic plans from the core business,corporate culture,human resources and risk management.In the core business,we should ensure the effective implementation of the strategy from the aspects of market positioning,characteristic advantages,customer needs,risk prevention and control,and scientific and technological drive.Corporate culture strategy,from the spiritual culture,system culture,material culture and behavior culture construction MJ with the characteristics of the rural commercial bank enterprise culture,strengthen the MJ rural commercial bank between the cadres and staff,staff and the cohesion between the employees.In terms of human resources,we should gradually realize the requirement of "young,professional and knowledge-based" of cadres,and realize the maximum value of talents.The development strategy of risk management is the key to the healthy and sustainable development of MJ rural commercial bank in the future.From credit risk,operational risk,liquidity risk,economic capital implementation and other aspects. |
