Research On The Development Strategy Of Shulan Rural Commercial Banks

In different development periods,enterprises need to formulate different development strategies to cope with different challenges facing different development stages.The essence of the strategy is to solve the problem of enterprise development and how to achieve rapid,healthy and sustainable development of the enterprise.With the rapid development of China’s social economy,rural commercial banks,as small and medium-sized commercial banks,are in urgent need of how to retain their place in the fiercely competitive market,and how to formulate reasonable and scientific business development strategies to meet the development trend of the market economy and further improve Own core competitiveness.As a local financial institution,Shulan Rural Commercial Bank is facing good opportunities and severe challenges.In the current large environment and background,this article believes that the business activities of Shulan Rural Commercial Bank can adapt to the current development trend.The article expounds the background and current situation of the development of Shulan Rural Commercial Bank,and points out the main problems that restrict the development of the bank at this stage,including unreasonable institutional settings,imperfect talent structure,unobtrusive business characteristics,single products,and unstandardized post-loan management.And analyzed the causes of these problems.The core content of this article is to analyze the internal and external environment of the development of Shulan Rural Commercial Bank,use the SWOT analysis model to find out the existing opportunities and challenges of the bank,clarify the advantages and disadvantages,develop strengths and avoid weaknesses,and use different methods at appropriate times to continuously Promote advantages and improve disadvantages.Through the above analysis,this article formulates the strategic objectives of the enterprise.According to the different stages of the production and operation process,the next step is to develop through cost control,customer segmentation,and differentiated management.Cost control is mainly controlled from the aspects of capital cost and management cost.Customer segmentation and differentiated management are mainly studied from the perspective of customer management.In the end,this article formulates the guarantee measures for the implementation of the strategy according to the strategy,mainly from three aspects: human resources,management system,and ideology.One is human resources protection,including strengthening the construction of the staff team,strengthening staff training,and improving the promotion mechanism.Wait.The second is the management system guarantee,including establishing a comprehensive risk management awareness and strengthening risk management and control.The third is the guarantee of ideology,and it is necessary to establish a sense of service,responsibility and cooperation.Through the above guarantee mechanism,we will promote the implementation of development strategies,continuously promote strategic optimization,and enhance the innovation and productivity of enterprises.