Since the 21st century, the rapid development of the Internet has promoted the
progress of Internet finance, the characteristics of interest rate marketization have become
more and more obvious, financial supervision has become more stringent, and changes in
technology and market environment have had a direct impact on city commercial banks.
The interest rate difference between deposits and loans has obtained economic benefits.
Changes in the internal and external environment have weakened the profitability brought
by the traditional profit model, and the difficulty of bank risk management has increased
significantly. The traditional development model characterized by large-scale expansion
has emerged. Due to the serious lag, based on the current market environment, city
commercial banks must continue to speed up the reform process.
Under this macro background, it is of great significance to study the development
strategy of city banks and provide them with reform ideas. This paper first discusses the
research background and significance, research status at home and abroad, research
objectives and content, research ideas and methods, and research characteristics and
innovations. From this, we can preliminarily understand the development environment of
my country's financial market and the background of the strategic research of commercial
banks. City commercial banks cannot fully adapt to changes in the financial market due to
their limited scale, small service scope, and difficulty in forming brand effects. City
commercial banks need to seek new development. Secondly, it expounds the relevant
concepts and theoretical basis, summarizes the types of city commercial banks and their
development strategies, and focuses on the analysis of the strategic environment of
Chongqing SX city commercial bank. The advantages, disadvantages, opportunities and
threats of city commercial banks, and based on these analysis, it is proposed that the
current Chongqing SX city commercial bank mainly has problems such as insufficient
market penetration, limited market development, and lack of product innovation, and puts
forward the opinion of this paper that Chongqing SX city bank should Adopt intensive
strategies in the development strategy, including market penetration strategy, market
development strategy and product development strategy. Through these strategies, the
market share of Chongqing SX City Commercial Bank will be further expanded and the
revenue capacity will be enhanced. At the same time, the corresponding risk prevention
and control measures and safeguard measures are formulated, and finally the research
conclusions and implications are drawn.
At present, the number of domestic urban commercial banks is still increasing. How
to seek development in the increasingly fierce market competition will become a key issue
for urban commercial banks. From the perspective of enterprise development strategy, this
paper focuses on three aspects: market penetration, market development and product
development, and solves the problems found in the development of Chongqing SX urban
commercial bank step by step, It helps to further promote the development of Chongqing
SX City Commercial Bank, and also has reference significance for the development
strategy research of other commercial banks.
Keywords: Commercial banks; Urban commercial banks; Development strategy