Research On The Competitive Strategy Of PDS Bank's Inclusive Finance Busines

In recent years,as the economic situation continues to decline and the country attaches more importance to inclusive finance,small and medium-sized banks,especially urban commercial banks,are facing unprecedented challenges in the development of inclusive finance.On the one hand,it should cope with the increasing pressure of "two plus two controls" in supervision;On the one hand,state-owned banks use their scientific and technological advantages to continuously improve the efficiency of business management,and at the same time,constantly reduce the loan interest rate,and constantly sink the market competition;On the other hand,as small and micro enterprises are relatively poor in risk resistance and management ability,the probability of risks is relatively high,so they still face the impact of asset quality fission,which can be said to be difficult to move forward.Therefore,as PDS bank is also a city firm,how to develop inclusive finance business,how to choose their own competitive strategy is particularly important.Through literature research,comparative analysis and interview research,this paper conducts in-depth research on the personnel,product status and business development of PDS Bank’s inclusive finance business,and conducts in-depth investigation and research on the problems existing in the business development.Through the analysis of the economic situation and market environment in the province,Combining with the PDS bank "1156" development strategy,and other lines of pratt &whitney financial business in the province to carry out the situation,and by using the model of a "young",through the existing competitors,suppliers bargaining power,potential competitors,the buyer’s bargaining power and the analysis of the threat of substitute products,suitable for PDS bank pratt & Whitney in the development of financial business competitive strategy.Through the analysis and demonstration of PDS banks,the differentiated competition strategy for the development of inclusive financial business of PDS banks is formulated,and the effective implementation of the differentiated competition strategy is ensured through the design of the top-level structure,the establishment of professional teams,the improvement of the assessment system,the construction of the risk control system and the improvement of system capabilities.