Study On Development Strategies Of A Rural Commercial Bank In The Context Of Inclusive Finance

With the continuous and in-depth development of society,tremendous changes have taken place in both the macro environment of China’s economy and the microstructure of the financial industry.In order to effectively stimulate the financial demand from the perspective of "agriculture,rural areas and farmers" and effectively promote the scale development and industrialization of agricultural operation,as the main provider of financial services,rural commercial banks must also take Inclusive Finance as the main battlefield of transformation,and must make the transformation of service output accordingly.At this historical stage,inclusive finance,as the carrier of rural urbanization in economic upgrading and transformation,has become the inevitable choice of small and medium-sized rural financial institutions.When the demographic dividend gradually subsided,the incremental market becomes more and more difficult to find one vote,and the excavation of the stock market has become a red sea anchored by all walks of life.In particular,major commercial banks have rushed to establish private banks and VIP rooms,focusing on the "eight" contributions of the "two" subjects in the "28" rule.After experiencing the sense of superiority and instability brought by the so-called big customers,the leading financial institutions suddenly realized that they should turn their attention to community finance with more detailed demand and productivity.At this time,as a financial institution practicing the historical mission of Inclusive Finance and undertaking social development,and as a life-and-death choice to dig deep into the Red Sea market and realize institutional transformation,the development of community banks has become the primary goal of institutional reform and profit promotion.In this context,in order to boost the development of real economy in A County,mobilize the vitality of development subjects and realize institutional reform and transformation,A Rural Commercial Bank chose the promotion strategy of developing community banks from the perspective of Inclusive Finance after SWOT analysis of various factors.As the main decision-maker of the management of A Rural Commercial Bank,the author of this paper has participated in the whole process of the implementation of the three-year development plan for the community bank of A Rural Commercial Bank,and strives to provide practice path and experience summary for small and medium-sized financial institutions that choose the development strategy of community bank in the future through the practical experience and problem analysis of the bank.