金融新常态背景下的农村商业银行竞争力研究

Study on the Competitiveness of Rural Commercial Banks under the background of New normal Finance

随着我国的金融经济发展进入新常态,金融的发展模式将逐步由"外延式扩张"向"内涵式发展"转变。在如今利率市场化的背景下,存贷利差不断缩窄,加上互联网金融的迅猛发展和同业的竞争,作为服务"三农"经济的主要经济力量,农村商业银行面临巨大竞争压力,所以转制不久的农村商业银行如何把握机遇有效提升自身竞争力迫在眉睫。在实证研究的基础上提出了农商行应找到自身的精准定位,在积极转变盈利模式、加快建设风险管理体系等方面提升竞争力。

As China＇s financial and economic development enters the new normal,the mode of financial development will gradually change from ＂extension expansion＂ to ＂connotative development＂.Under the background of the marketization of interest rate,the margin of deposit and loan interest rate is narrowing continuously,coupled with the rapid development of Internet finance and the competition of the same industry,as the main economic force serving the economy of agriculture,rural areas and farmers,the rural commercial banks are faced with enormous competitive pressure.Therefore,it is urgent for the rural commercial banks to seize the opportunity to enhance their competitiveness.On the basis of the empirical research,the paper puts forward that the agricultural and commercial banks should find their own precise positioning,actively change the profit model,and accelerate the construction of risk management system to enhance their competitiveness.