Research On Differentiated Development Strategy Of MT Rural Commercial Banks

Since the 19 th national congress,the comprehensive deepening of reforms,the adjustment of economic restructuring,the acceleration of interest rate marketization,the establishment and implementation of a macro-prudential dual-pillar framework,and the changing environment of domestic commercial banks are continually changing.With the adjustment of industrial structure,the market environment is becoming more and more complex,the risk of banking risks is increasing,non-performing loans are rising,profit growth is slowing down,and the banking industry is facing a severe survival situation.Confronting the dense external economic environment,the Chinese banking industry must carry out strategic transformation,constantly improve the operating mechanism,accelerate the innovation and application of technology,standardize various business processes,and enhance comprehensive strength.After decades of development,the rural commercial bank has gradually developed into an indispensable financial institution in the county market.However,in order to continue to occupy a large market share in the prevailing financial market,the rural commercial banks also need to constantly adjust their own development models,as well as face the numerous tests of the market.Under the current situation that the internal driving weakness and external competition in the domestic banking industry are intensifying and the market structure is not clear,this paper takes the development strategy of MT Rural Commercial Bank as the research direction,based on the research of relevant enterprise strategic management theory and the collection of multiple documents,In-depth study on the selection,formulation and implementation of MT Rural Commercial Bank’s development strategy.This paper uses pest,Porter Five Forces and SWOT analysis tools to analyze the internal and external aspects of MT Rural Commercial Bank and the industrial environment.Through the analysis of the macro environment,the industry environment and the internal environment of the enterprise,we will choose a more targeted development strategy.Through analysis and research,we choose the differentiation strategy as the development strategy of MT farmer’s business,and combine the product and service differentiation and channel differentiation as the main development strategy founded on the peculiar situation of the enterprise.And to establish a bottom line thinking to prevent and control risks,optimize the company’s organizational structure,strengthen the information technology system innovation,establish a scientific human resources system as a safeguard for the development strategy of MT rural commercial banks,to ensure that the development strategy of MT Rural Commercial Bank can be fully and effectively implemented.Among the land-based financial institutions in the western inland provinces,MT rural commercial bank is very representative.This paper studies and analyzes the progress status of MT rural commercial bank,and makes its theoretical analysis of the mid-and long-term development of MT farms.Make suggestions.The research content of this paper has certain practical significance for enriching the theory of rural commercial banks,and provides a sample and a plan for reference for the formulation of the development strategy of the same type of rural commercial banks.