Research On The Cross-regional Operation Strategy Of Zhangjiagang Rural Commercial Bank

In June 2008,the China banking regulatory commission promulgated and implemented the implementation measures on administrative licensing matters of rural small and medium-sized financial institutions,which encouraged rural commercial Banks to conduct trans-regional operation,and pointed out a new direction for the reform and development of rural commercial Banks.Although the implementation of trans-regional operation of rural commercial bank can help it expand enterprise scale,expand market share,improve financial service level and expand profit margin;But its management process there are also part of the bank doesn't suit their actual and local financial market development,blindly follow suit for cross-regional development strategy,in the process of the development of the target area from the China banking regulatory commission to agri-businesses bank location,i.e.serving "agriculture,countryside and farmers",confusing the bank headquarters,restricting the development of cross-regional business.Based on this,this article based on the theory of "diversification","theory of economies of scale" and "development poles theory",combined with the practical experience in real work,selecting Zhangjiagang agri-businesses Banks as the research object,by adopting the combination of qualitative and quantitative methods,analyzes the Zhangjiagang agri-businesses bank management present situation,the main business risks,explore Zhangjiagang agri-businesses Banks implement the necessity and feasibility of cross-regional business strategy;Through the analysis of the practical operation of Zhangjiagang rural commercial bank's cross-regional operation strategy,the paper presents the strategies and methods adopted by Zhangjiagang rural commercial bank in practice,as well as the problems and challenges encountered.Although Zhangjiagang rural commercial bank has made remarkable achievements in its trans-regional operation strategy,its own risk governance structure still needs to be improved and its risk governance capacity urgently needs to be improved.Finally,based on the above analysis and research,this paper summarizes the trans-regional operation of Zhangjiagang rural commercial bank,and puts forward Suggestions on the improvement and optimization of trans-regional operation strategies,so as to improve the service level of rural financial market,stimulate rural economy and improve market vitality,and puts forward prospects for the future development of Zhangjiagang rural commercial bank.