Research On Development And Transformation Strategy Of Bank A Laixi Sub-branch

With the continuous deepening of reform and opening up,my country's social economy has made great progress,and the banking industry,which is an important participant in the social economy,has also developed rapidly.In recent years,outside market changes such as interest rate liberalization and Internet finance have had a profound impact on the traditional banking industry,especially the county branches of commercial banks,both to implement the country's policy requirements to support the county economy and serve the "three rural issues",and also strive to improve themselves Comprehensive competitiveness in order to maintain its position in the same industry and within the Bank's system.In this process,for county-level commercial banks such as Bank A Laixi Sub-branch,it is urgent to develop and transform to deal with internal and external shocks and competition.This article is based on the theory of inclusive finance,competitive strategy,etc,combined with the existing literature on county finance and county commercial banks.Taking the example of Bank A Laixi Sub-branch,this paper analyzes the problems existing in the operation and development of county commercial banks,and focuses on development The product innovation,business marketing and other aspects focused on during the transformation are discussed in detail.The full text mainly includes six parts:The first part is the introduction,which mainly introduces the background and significance of the research,the research status at home and abroad,and the research methods and technical routes of this paper.The second part is related concepts and theoretical basis.It mainly introduces the concept and characteristics of county financial business and the importance of strengthening county financial services,and introduces related theories such as inclusive financial theory,competitive strategy theory,comparative advantage theory and so on.The third part is the analysis of the development status of Bank A Laixi Sub-branch,which mainly summarizes the regional economic situation of Laixi City,the overall development of Bank A and the development status of Bank A Laixi Sub-branch,and uses PEST analysis and SWOT analysis Analysis of the internal and external development environment of Laixi Sub-branch.The fourth part is the problems and causes of the operation and development of Bank A Laixi Sub-branch.Through in-depth analysis of product innovation,work efficiency,marketing mode and other issues,the hidden factors and causes behind the problems are discussed,and the constraints are summarized and used to To break through,explore the business development transformation strategy of Bank A Laixi Sub-branch.The fifth part is the response strategy of the operation and transformation of Bank A Laixi Sub-branch.Aiming at the current problems and causes,it proposes strategic solutions including product innovation,business management model optimization,risk management,and marketing model transformation to help Bank A Laixi Sub-branch clarifies the future development direction.The sixth part is conclusions and prospects.Some of the transformation measures proposed in this article have been implemented at Bank A Laixi Sub-branch,which has obvious effects on the transformation and development of Bank A Laixi Sub-branch itself,and has certain reference value for the transformation and development of other domestic county commercial banks.To combine national policy changes and the overall plan for the development of financial institutions,the success of the transformation has never been overnight.It must have clear goals,executable plans,and efficient and accurate execution,which can only be achieved through timely development.