Research On The Competitive Strategy Of Loan Business Of The Hydraulic Engineering Project Of Jining Branch Of NF Bank

NF Bank was first established in 1994.From the beginning of its construction,NF Bank has been committed to playing an important role in the country’s agricultural industry.From the beginning of construction,NF bank has been committed to national credit as the basis,market as the basis,and actively support the construction and development of agriculture,rural areas and farmers in China,so as to play the role of the country in the macro-control of the primary industry.Since ancient times,Water conservancy construction projects are the foundation of people’s livelihood.They are related to the implementation of agriculture,rural areas,farmers,and my country’s poverty alleviation projects.It is also related to the safety of drinking water,water supply and national food in China.It is an important part of my country’s long-term stable development.Favorable guarantee for the healthy development of my country’s economy and the healthy development of the ecological environment.Therefore,credit support for water conservancy construction projects should be increased Holding is the responsibility of NF bank,which can also help to strengthen NF bank.At present,with the vigorous development of major commercial banks,the water conservancy construction credit business of NF bank is facing a huge competitive threat.It is necessary to systematically analyze the environment and its own advantages of NF bank,so as to select the most suitable competitive strategy for its development and form a long-term mechanism of water conservancy construction credit business management.Up to now,there is little research on credit loans for water conservancy projects at home and abroad,and less research on competitive strategies for credit business of water conservancy construction projects.In the process of the author’s own work,through continuous accumulation and practice,this article not only analyzes the credit business competition strategy of NF Bank Jining Branch,but also combines the actual operation of NF Bank Jining Branch and the current status of water conservancy construction credit projects.As well as the current situation of competition,a targeted strategy has been proposed,and a certain degree of innovation has been carried out according to the actual situation,which has a certain degree of innovation in both theory and practice.By using the methods of literature research and field research,this paper analyzes the external environment of Jining Branch of NF bank from a macro perspective,and concludes that Jining Branch of NF bank is faced with the advantages of better macro policies,strong development momentum of water conservancy construction projects,and greater national policy preference for NF bank,but it also faces the problems of intensified bank competition,At the same time,it analyzes the internal environment of NF Bank Jining Branch,analyzes its credit business status,water conservancy credit business development,and resource status,and concludes that the company has capital,risk control capabilities,credit product innovation,brand image and technical capabilities.Certain advantages,and concludes that the enterprise has certain advantages in capital,risk control ability,credit product innovation,brand image and technical ability,but it has certain advantages in organizational structure,governance system,human resources,product system and customer development There are still problems.Based on the SWOT analysis and the feasibility analysis of the basic competitive strategy,this paper determines the differentiation strategy as the competitive strategy of the water conservancy construction credit business of Jining Branch of NF bank through the quantitative strategic planning matrix(QSPM)analysis model.Based on the research and summary of the credit business of water conservancy construction project in Jining Branch of NF bank,this paper puts forward the differentiated strategic competition strategy of innovating credit products,perfecting marketing system,optimizing capital payment process,and puts forward the countermeasures from the aspects of enterprise management,resource integration,financial services,innovating guarantee methods,broadening capital sources,introducing talents,strengthening scientific and technological innovation,etc This paper puts forward the safeguard measures,and makes full use of its own advantages,grasps the current policy and economic preference for water conservancy projects and NF bank,and improves its own competitive advantage,so as to provide certain reference for Jining Branch of NF bank in water conservancy construction credit business competition.