TZ Rural Commercial Bank Management Transformation Study

In recent years,China's rural commercial banks have made great achievements in the process of operation and management,and also made great breakthroughs in the modern banking system and risk management system.Nevertheless,with the acceleration of the reform of interest rate marketization in China's banks,new changes have taken place in the structure of social financing,and new financing needs are overwhelming.At the same time,the factors of Internet financial and economic restructuring also force the banking market and banking enterprises to reform and restructure in order to adapt to the new environment.Nowadays,with the increasing downward pressure of China's economy,the traditional business model of commercial banks is facing greater challenges.When scholars and experts analyze the problems of rural commercial banks,they focus on the transformation and development of rural commercial banks.Based on the literature and field investigation,this paper takes TZ rural commercial bank as an example,uses case analysis method to analyze its operation status and development bottlenecks.On this basis,this paper focuses on the direction and strategy of TZ rural commercial bank's operation transformation,and draws the following conclusions.The article holds that under the background of the transformation of commercial banks,the transformation and development of TZ rural commercial banks is also imminent.At present,there are four bottlenecks in the development process of TZ rural commercial banks: management dimension,product innovation dimension,risk control dimension and personnel training dimension.This paper puts forward the necessity and value of the development and transformation of rural commercial banks,makes SWOT analysis on the operation and transformation of TZ rural commercial banks,and puts forward specific strategies for the operation and transformation of TZ rural commercial banks,namely,changing the operation and management mode,developing innovative products,strengthening risk process control and training and introducing high-end people.Just.This paper uses case analysis method to analyze the actual operation of TZ rural commercial banks,and puts forward corresponding improvement suggestions and measures,hoping to guide the transformation and development of rural commercial banks in China.