Study On Rural Commercial Bank Business Transformation In A County Of Anhui Province

Along with the rapid development of "Internet+" finance and the acceleration of the reform process of interest rate marketization in China,most rural credit cooperatives in China have become rural commercial banks through restructuring.As the backbone of serving agriculture,rural areas and farmers,China's rural commercial banks have the responsibility and obligation to promote the development of local rural economy.However,in the early days of the establishment of rural commercial banks,the problems of traditional management system,single profit model,low professional quality of employees,low recognition of customer groups and so on are highlighted.How to establish a long-term foothold in the rapid financial market competition and enhance the core competitiveness and increase the new profit structure are the common problems faced by rural commercial banks in China.In the current severe financial environment,how to open up a sustainable development road in rural commercial banks is one of the difficulties faced by all agricultural firms in China.Therefore,the transformation of business is the key path for rural commercial banks to seek development.Based on the example of rural commercial bank in A county of Anhui province,this paper makes a deep analysis of its business development.At present,under the background of "Internet+" finance and market economy,and the government vigorously promotes the construction of new countryside,the current business scope of the bank is limited to the county area,in order to maintain the competitive advantage,the business needs to be transformed.At first,this paper introduces the background and significance of this topic,and makes a large number of comprehensive analysis of the current research situation at home and abroad,which is the theoretical basis,points out the current situation of rural commercial banks in A county of Anhui Province,the problems in the development process and the causes of restricting business development,puts forward the inevitability of business transformation,puts forward the specific countermeasures of business transformation and the objectives to be achieved.At a certain extent,this paper can provide some suggestions for the further development of rural commercial banks in A County of Anhui Province,help them to enhance their competitiveness,and also provide some experience and reference for the transformation and development of other rural commercial banks.