Research On The Strategic Development Anyuan Fumin Village Bank

Building an efficient rural financial market has always been a core issue of central rural work.In December 2006,a new type of rural financial institution was piloted by China Banking Regulatory Commission.Since then,village banks have gone through more than ten years.Village banks have already provide solutions in the area of outlets,supply and competition.While,we should also clearly realized that village banks have many shortcomings in terms of scale,social recognition,management,risk control.These shortcomings have brought threats and tests to the market positing of village banks.Village banks have gone through the stage of cautions exploration and scale expansion,more and more village banks are looking for the road of high quality development.Therefore,the research on the future development strategy of village banks have certain practical significance.Anyuan Fumin village bank which is the first village bank of Pingxiang has been established in red Anyuan for seven years.According to the current development situation,Anyuan Fumin village bank stayed a high level asset quality,keep growing scale of assets and liabilities.At the same time,farmer loan and small micro enterprise loan of Anyuan Fumin village bank keep a faster growth,which play a important role in serving serving local real ecnonmy.This paper based on the current local economic development,takes Anyuan Fumin village bank as the research object,which is the first village bank of Pingxiang,Jiangxi Province.Through the introduction of the sponsoring bank's background and the overall business situation in recent years,it analyzes the internal and external environment and its shortcomings in the process of competition,and then to explore the development of its future development strategy,and then provide a useful reference for village bank.Firstly,the paper analyzes the development environment of banks in Pingxiang through PEST analysis method,and proposes that Anyuan Fumin village bank is in a favorable financial development environment.However,there are also shortcomings in terms of public awareness and technology use.Secondly,through the Porter Five Forces model to analyze the competition situation of banking market in Pingxiang,it is proposed that Anyuan Fumin vllage bank has different differentiation and comparative advantages,but also facing intense competition.Thirdly,SWOT analysis is used to sort out the advantages and disadvantages,opportunities and challenges of Anyuan Fumin village bank.In order to explore the future development path in the fierce competition,village banks should stick to strategic positioning and maintain market shares,then make use of it's advantages and mechanisms to promote the regional brands.Finally,this paper figure out the guarantee measures from stuff,technical,organization and policy.