Research On The Development Strategy Of CR Rural Commercial Bank

At present,China's rural commercial banks are facing greater development pressure.Under the background of deepening reform of interest rate marketization,it is of great significance for rural commercial banks to formulate scientific development strategies for the sustainable development of rural commercial banks.The purpose of this paper is to conduct research on the case of CR Rural Commercial Bank,analyze the environment faced by the bank,explore the problems faced by the bank,and combine the theoretical knowledge learned in Jiangxi Normal University to objectively formulate the CR Rural Commercial Bank.development strategy.This paper uses PEST analysis method and SWOT analysis method to analyze the external environment and internal advantages and disadvantages of CR Rural Commercial Bank.Through the use of PEST analysis method to analyze the external environmental factors affecting the strategic decision-making of the enterprise,the external environment including CR social enterprise,including social,political,economic and technological environment,was studied,and the research and development of CR agricultural business bank was studied and studied.External environment such as politics,economy,society and technology.At the same time,through the use of SWOT analysis to analyze the internal advantages of CR Rural Commercial Bank,the existing disadvantages and opportunities and threats facing the outside world.Through the research,this paper finds that the current business development of CR Rural Commercial Bank still has the following problems: the quality of development is not high,the rebound pressure of non-performing loans continues to increase;the compliance basis is not strong,and the violation of regulations is repeatedly investigated;The development lags behind,the problem of uneven development is increasingly prominent;the credit is slowly released,the contribution of loans to business operations continues to decrease;the single risk is concentrated,and the situation of case prevention and control is still very serious.In response to these problems,this paper proposes that the development strategy of CR Agricultural Commercial Bank is based on the local level and gradually expands its business to the economically developed areas across provinces;The scale is moderate,and on thebasis of pursuing a certain scale,we pay more attention to the development of quality and efficiency,and take differentiated and misplaced competition.And provide corresponding safeguard measures,and do a good job of organizational security,manpower security,and financial security.