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面对不良贷款历史包袱的掣肘,面对互联网金融的挑战,农商行应加快转型,实现差异化经营中国经济和社会即将进入“十三五”发展新时期。作为近年来农村金融体制改革特别是农信社产权改革的产物,农商行在“十二五”期间有了快速和长足的发展,面对中国银行业全面深化改革、加快转型发展、竞争日益激烈的大势,面对互联网跨界竞争、金融业对内对外开放力度加大等变局,发展基础和经营实力相对较弱的农商行需清醒认识到进一步发展所面临的挑战,谋划相应的对策,争取赢得发展的主动权。
In the face of the constraints of the historical burden of non-performing loans and the challenge of Internet finance, SRCB should speed up its transformation and realize a differentiated operation. China’s economy and society are about to enter a new period of “13th Five-Year Plan”. As a product of rural financial reform in recent years, especially the reform of property rights of rural credit cooperatives, Rural Commercial Bank has made rapid and significant development during the “Twelfth Five-Year Plan” period. Faced with the overall deepening of reform in the banking sector in China, accelerating transformation and development and competition In the face of the increasingly fierce trend, facing the cross-border competition in the Internet, the financial industry has intensified its internal and external opening up and other changes in the situation, and the rural commercial banks with relatively weak development foundation and operating strength need to clearly understand the challenges facing further development and plan corresponding countermeasures , Strive to win the initiative of development.