Research On Business Strategy Of XX City Commercial Bank

After decades of growth and development,China's banking industry has initially formed a variety of equity-led banking systems with different asset sizes and service areas,and gradually formed a well-ordered banking industry competition mechanism.With the development of Internet,big data and block chain in recent years,financial science and technology have emerged.More and more Internet enterprises begin to involve in financial business.Facing such a huge challenge,various domestic banks must make corresponding strategic transitions to adapt to the new financial market.Therefore,exploring the bank's development strategy is currently the top priority and has important practical significance.XX Bank is a member of a commercial bank in a western province.Compared with other commercial banks,the asset size is slightly smaller and the overall competitive strength is weaker.In recent years,the banking industry has demanded strict supervision,and banks are strongly determined to change their systems.Gradually adjust the development strategy,making city commercial banks face greater challenges in their survival and development.If we want to find a living space in the increasingly competitive financial market,we should clearly define our own advantages,identify our development orientation,and seek original and unique development paths.This article starts from the specific object XX Bank,first analyzes its current situation,takes its future development goals as the keynote,and starts from the research background,purpose,significance and other aspects,and analyzes the existing problems in the development process with related strategic management theories.At the same time,using the PEST analysis method,the five-force model analysis method,and the SWOT analysis method,we thoroughly analyzed the internal and external environment,core competitiveness,advantages,disadvantages,opportunities,threats,etc.of XX Bank,and thoroughly explored the internal and external factors that affect the development of XX Bank.Compared with other banks 'operating strategies,combined with their own operating characteristics,this paper puts forward listing and operating strategies,cross-regional operating strategies,trading bank operating strategies,unmanned bank network operating strategies,bank innovation management strategies and internal control risk management strategies.Then,through the pre-determination of possible risks in the implementation process,a series of measures are formulated to ensure that the above strategy can be successfully landed,so that its own core competitiveness is greatly improved,and it can break through in the competition.This article is based on the status quo of XX Bank and proposes some.feasible measures for the future development of the bank.It hopes to promote its strategic transformation and also hopes to provide an idea for the future development strategic planning of other city commercial banks...