Research On Development Strategy Of S Rural Commercial Bank Under The Background Of Internet Finance

At present,the development of China's rural commercial banks is facing a series of challenges and pressures.The process of interest rate liberalization is accelerating and S & L(saving and loan)interest spreads is further narrowing.At the same time,the rapid development of Internet finance has seriously eroded the market foundation of rural commercial banks.Under this background,the government-led financial supply-side structural reform clearly points out that it should guide small and medium-sized financial institutions to return to their main businesses and serve the real economy.This indicates the development direction for rural commercial banks.However,facing multiple challenges,how can rural commercial banks implement the policies of financial Supply-side Structural Reform in the specific development process? This has become an urgent question that rural commercial banks need to answer.Based on the theory of strategic management,this paper takes S Rural Commercial Bank as an example to conduct research,in order to provide theoretical guidance and help for the strategic transformation and development of other rural commercial banks.The first part of this paper introduces the main concepts involved in the research and the theory of strategic management.The second part introduces the general situation and main problems of S Rural Commercial Bank.After a detailed analysis of the internal and external political and legal,economic,social,cultural and technological environment in the current development of S Rural Commercial Bank,SWOT analysis is used to consider the advantages,disadvantages,opportunities and threats of S Rural Commercial Bank.The third part,based on the previous introduction of current situation and detailed theoretical analysis of strategic choice,puts forward the strategic positioning of supporting agriculture and small-micro enterprises of S Rural Commercial Bank,including market positioning and strategic objectives.The forth part sets the stage goals and paths for the implementation of S Rural Commercial Bank's development strategy of supporting agriculture and small-micro enterprises.Effectively implement the established development strategy from the aspects of organizational structure adjustment,process reengineering,strengthening performance appraisal,improving corporate governance,improving service quality,and strengthening cost management.On the whole,in order to seek its own development space under the new challenges and pressures,the most important thing for S Rural Commercial Bank is to return to its main businesses.According to the direction of the financial supply-side structural reform,find the right position,return to the original intention of serving agriculture,the rural area and farmers,and small-micro enterprises,using Internet technology to provide better financial services.