MBA教育中心知识库

  党的十九大首次提出高质量发展，表明我国经济转向高质量发展阶段。高质量发展不仅是当前我国经济发展的目标，也是金融发展的方向。农村商业银行作为全国数量最多的金融机构，在深耕农村金融、助推农村经济发展、服务小微企业等发面发挥着至关重要的作用，但是由于资产规模有限、业务结构单一，农村商业银行的发展和大型商业银行之间存在较大差距，如何在当前激烈的竞争环境中实现长足发展是农商银行亟待解决的命题。

  兰州农商银行作为农村商业银行中的一员，其发展历程以及当前面临的困境是农村商业银行的缩影，本文选取兰州农商银行为案例进行研究，以资产负债管理理论、多元化经营理论等为理论基础，利用PEST分析方法对当前兰州农商银行经营环境进行分析，指出高质量发展下该行面临的挑战。

  本文在借鉴国内外关于高质量发展文献资料的基础上，以SPSSUA为分析工具，采用主成分分析方法，在结合商业银行性质、业务结构、资产规模以及数据可得性等要素后，选取了包括兰州农商银行在内的十一家农村商业银行、城市商业银行为分析对象，并以安全性、流动性、盈利性、成长性等四个维度方面的十四个指标对目标农村商业银行进行主成分分析，通过分析发现兰州农商银行盈利模式存在收入来源单一、贷款结构不合理、营业成本高、科技创新不足、员工队伍专业性不足等问题。

  通过问题分析，本文结合兰州农商银行实际，提出盈利模式转型路径，并给出丰富金融产品种类、优化贷款结构、降低营业成本、增强科技创新能力、强化人才队伍建设等意见建议，以期为高质量发展背景下兰州农商银行盈利模式转型提供建议，也为农村金融机构转型发展提供思路。

     The 19th National Congress of the Communist Party of China proposed high-quality development for the first time, indicating that China's economy is turning to a stage of high-quality development. high-quality development is not only the current goal of China's economic development, but also the direction of financial development. As the largest number of financial institutions in China, rural commercial banks play a vital role in deepening rural finance, promoting rural economic development, and serving small and micro enterprises. However, due to limited asset scale and single business structure, there is a big gap between the development of rural commercial banks and large commercial banks. How to achieve rapid development in the current fierce competition environment is an urgent proposition for rural commercial Bank to solve.

      As a member of rural commercial banks, Lanzhou Rural Commercial Bank's development history and current difficulties are the epitome of rural commercial banks. This paper chooses Lanzhou Rural Commercial Bank as a case study, and analyzes the current operating environment of Lanzhou Rural Commercial Bank by using PEST analysis method based on the theory of asset liability management and diversified operation. It points out the challenges facing the bank under high-quality development.

      On the basis of referring to high-quality development literature at home and abroad, this paper uses SPSSUA as an analysis tool, adopts principal component analysis method, and selects 11 rural commercial banks and city commercial banks, including Lanzhou Rural Commercial Bank, as analysis objects after combining the nature, business structure, asset scale and data availability of commercial banks. The principal component analysis of the target rural commercial bank is carried out with 14 indicators in four dimensions, including security, liquidity, profitability and growth. Through the analysis, it is found that the profit model of Lanzhou Rural Commercial Bank has problems such as single income source, unreasonable loan structure, high operating cost, insufficient scientific and technological innovation, and insufficient professional staff.

      Through problem analysis, this paper combined with the actual situation of Lanzhou Rural Commercial Bank, proposed the path of profit model transformation, and gave suggestions on enriching financial product types, optimizing loan structure, reducing operating costs, enhancing scientific and technological innovation ability, and strengthening talent team construction, in order to provide suggestions on the profit model transformation of Lanzhou Rural Commercial Bank under the background of high-quality development. It also provides ideas for the transformation and development of rural financial institutions.