| The development of China's economy takes on a new normal.China's economic development has entered a new normal.Under the national macro-control,economic restructuring,shift growth and quality and efficiency entered a critical period,China's new socialist countryside has undergone profound changes.The basic conditions and financial demands of rural areas have also changed fundamentally,and the traditional production mode is facing challenges.Family farms,specialized cooperatives and other new financial entities demand appears,accompanied by "three go,one supplement,one down" policy continues to promote,agricultural related small and micro enterprises continue to show financial risks.Faced with the change of the financial environment and the diversification of financial needs,how should the rural commercial banks adjust their management strategies and establish a hierarchical management system to meet and meet the different financial needs?Along with the reform of the financial system continued to deepen,the rural credit cooperatives have gradually established the direction of reform of the shareholding system,Yibin agricultural letter in Sichuan agricultural letter row,Cuiping Rural Commercial Bank is representative of corporate governance.With the sinking of joint-stock banks and city commercial banks,the postal savings bank seizes market share,the rise of village banks and small loan companies,and the multi-level and competitive rural financial organization system has gradually formed.The interest rate market will squeeze the interest margin of deposit and loan,and the traditional business of rural commercial banks will be impacted,and the traditional business model will face brutal competition in the market.This paper is based on the management practice of Cuiping rural commercial bank after the restructuring,to explore in the complex financial environment,rural commercial bank,how to adjust the target market and business strategy,to adapt to the current financial system and market competition for agricultural firms "live out" reference significance.Based on the background of the development of five years after the restructuring of Cui Ping Rural Commercial Bank.Through quantitative analysis,case discussion,logical reasoning,empirical analysis of the status quo of Cuiping agricultural firms existing assets and liabilities business and intermediary business,find out the existing Cui Ping Rural Commercial Bank development of financial system problems and difficulties,and analyzing and comparing the changes of financial supply and demand new economic situation in Cuiping District and dig out the new changes of financial demand,the new direction of financial development.According to the actual situation,a clear target market,to achieve the transformation and upgrading and transformation of business strategy of business,from the following four aspects: one is to establish a sound incentive and restraint,resource allocation,risk control "three mechanisms";the two is to build rural credit support,rural settlement,integrated rural financial services "three service platform";three is to optimize the improvement of products,channels,"three inclusive system";the four is to achieve customer in quantity,scale and intensive management mode,financing conditions and the amount of financing three breakthrough".Cui Ping Rural Commercial Bank should take rural services as the foundation,the foundation for development of deepening reform,continue to play a leading role in the rural areas,adhere to the main force when the rural financial services.Pioneering and innovative,determined to forge ahead,the use of differentiated brand strategy,to build services for agriculture,rural areas of the exclusive financial business card,the three rural business to do fine,do fine,bigger,stronger.Actively promote the retail banking strategy to achieve business transformation and upgrading,expand the target customer groups,seize the city market,enhance the market competitiveness of agricultural firms. |
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