试论新形势下农村商业银行的战略转型路径

Analysis on the Paths of Strategic Transformation of Rural Commercial Banks in the New Situation

随着我国社会经济的不断发展以及经济市场秩序越来越趋于稳定,金融行业已然迈入了经济发展的新常态。与此同时,市场竞争不断加剧,监管力度不断增强,作为农村金融机构的重要组成部分,在金融体系中,农村商业银行的地位和重要性不言而喻。在进行战略转型的过程中,一方面能够提高业绩成果,另一方面可以增加当地存贷款市场份额。同时,风险防控能力弱、贷款投放难以及创新能力差等问题日益严峻,要求农村地区的各商业银行能够积极依照自身的发展现状,设计有效的战略转型方案,从而推动农村地区经济的协调有序发展。本文主要研究新形势下农村商业银行战略转型的路径。

With the constant development of China’s social economy and the increasing stability of the economic market order,the financial industry has entered a new normal of economic development.At the same time,with the intensification of market competition and the strengthening of supervision,and with financial system being an important part of rural financial institutions,the status and importance of rural commercial banks in the financial system is selfevident.In the process of strategic transformation,on the one hand,it can improve performance results;on the other hand,it can increase the market share of local deposits and loans.Meanwhile,the problems such as weak risk prevention and control ability,difficult loan delivery and poor innovation ability are becoming more and more serious,which requires commercial banks in rural areas to actively design effective strategic transformation plans according to their own development status quo,so as to promote the coordinated and orderly economic development in rural areas.This research mainly studies the paths of strategic transformation of rural commercial banks in the new situation.