Urgently beg. Composition questions of bank recruitment examination. Write an article about 1000 words around the core competitiveness of Leshan rural bank, and the title is self-drawn.

First of all, commercial banks must establish and enhance their core competitiveness.

The so-called "core competitiveness" refers to the irreplaceable and indispensable service management ability. At present, domestic banks are facing multiple challenges and the industry competition is becoming increasingly fierce. It is very critical and urgent for grass-roots commercial banks to build and enhance their core competitiveness.

(-) Building core competitiveness is the need of the development of the situation. With the acceleration of economic development and reform and opening up, the market and policy environment faced by domestic commercial banks have changed greatly, and the familiar rules of the game have changed fundamentally. As the core part of modern economic system, the development of financial industry will inevitably change with the changes of social economy. Under the general trend of economic transformation, the rapid growth of personal wealth and the increasingly active financial consumption structure put forward higher requirements for banking services, requiring banks to meet the various needs of residents with characteristic products and services. With the increasing trend of financial disintermediation, banks must actively provide comprehensive services including credit, settlement, agency, consulting, investment and wealth management.

(B) Building core competitiveness is the need for the survival and development of banks. The most fundamental reason why a successful enterprise can win in the competition is the core competitiveness condensed by standardization and innovation. The refined management marketing is a comprehensive management model characterized by "precision, meticulous, in-depth and standardized", which has the connotation of highly combining standardization and innovation. Therefore, fine management and fine marketing have the function and possibility to lead enterprises to success. With the comprehensive acceleration of the reform process of state-owned commercial banks and the arrival of the comprehensive opening of domestic financial markets, financial competition has entered a higher, deeper and farther level, and the implementation of refined management and marketing will become the key to enhance the core competitiveness of state-owned commercial banks.

(C) The current development of commercial banks requires us to speed up the construction of core competitiveness. Judging from the development status of commercial banks in China, although the product varieties of commercial banks have been gradually enriched in innovation in recent years, there are still some problems in general, such as single function, limited types, weak pertinence of product innovation, low degree of differentiated service, inconspicuous core products and unreasonable structure. Lack of sufficient research on market demand, serious homogenization of innovation and failure to design differentiated services according to the needs of different businesses or customers are not conducive to improving service quality and weakening the core competitiveness of commercial banks to some extent.

Second, measures and ways to enhance the core competitiveness of banks

Judging from the development trend, the future competition of banks must focus on high-quality customer groups. In other words, the core competitiveness of the bank will be reflected in the relationship maintenance, value creation and customer life cycle management after customer segmentation, rather than in a product, a technology or a policy. Therefore, as a modern commercial bank, to build core competitiveness, we must start with differentiation and characteristics.

(1) Accelerate innovation and enhance comprehensive development capability. In the new development situation, in order to seek a breakthrough, the banking industry should first make structural adjustment and business transformation as soon as possible on the basis of maintaining its original advantages. Although the total scale of bank operation is constantly expanding, there are still a large number of unmet needs for social financial services, which provides a huge development space for the banking industry. Therefore, while consolidating traditional business, we should actively implement business strategic transformation, take integrated operation as the strategic direction of future business development, and actively explore new profit growth points. This is a brand-new topic put forward by the financial situation and market changes for grass-roots commercial banks, and it is also a positive response of grass-roots commercial banks to the increasingly fierce competition at home and abroad.

Innovation is the continuous driving force of enterprise development. In the new economic era, the law of market competition is no longer the big fish eat small fish, but whoever opens up new markets before competitors will get more space and profits. Business, product and service innovation is the key and carrier of bank innovation. In the final analysis, the innovation of banks is to meet the needs of the market and rely on the needs of customers for continuous independent innovation. On this basis, innovation needs to be implemented in specific businesses and products and embodied in specific services. Therefore, the market competition strategy of grass-roots commercial banks should focus on finding the right point of value creation, and on the basis of adhering to the traditional steady operation, according to the market changes and different needs of customers, increase the innovation of system, mechanism and marketing methods to meet the different needs of customers in time; In terms of marketing methods, it is necessary to make policies for different households and make clever combination punches. Pay attention to marketing skills, vigorously develop high-end customer business, and establish a marketing mechanism combining comprehensive marketing, classified marketing, linkage marketing and bundled marketing. Make full use of the bank's business resources, scientific and technological resources, network resources and human resources to design personalized financial service solutions for customers, improve the technical content of business marketing and the comprehensive marketing ability of financial products, and enhance customers' sense of identity, satisfaction and belonging.

(B) market segmentation, enhance market resilience. With the constant changes of market demand and competition, banks need to have enough ability to respond quickly to the market. At present, market competition is no longer confined to the narrow field of deposits or loans, but needs to provide customers with all-round and comprehensive financial products and services in a broader market scope. Market segmentation, positioning, product design, development and marketing will become more and more important. Only when the business and management of the whole bank are truly regarded as a project and really close to the market, the future development of the bank will be more meaningful.

(C) overall linkage, strengthen the overall marketing function. Select and locate the target market scientifically. Establish the concept of relationship marketing integrating quality, service and marketing, determine the standards according to the requirements of relationship marketing and the actual situation of customers, correctly analyze their competitive advantages on the basis of market segmentation, and find opportunities to deliver excellent value to customers. At the same time, determine the target market, design a special marketing mix, tailor-made cash management, wealth management, foreign exchange trading, investment programs for customers, so that the marketing strategy is more targeted. Further improve the overall efficiency of marketing and service. Grasp the customer market from the source, improve the "one-to-one" contract responsibility system and departmental linkage mechanism for major industries and systems, carry out in-depth cooperation and follow-up marketing, establish a systematic marketing service system that integrates health care before, during and after the event, and form full coverage of customer resources.

(d) Strengthen "individuality" and improve the loyalty of quality customers. Through refined, personalized and humanized marketing service measures, we will deeply tap the potential of customers, and correctly choose products and services suitable for customers' own characteristics on the basis of fully understanding their needs, personality characteristics and risk preferences. It is necessary to comprehensively promote and implement the relationship marketing management strategy and comprehensively enhance the bank customer relationship. The first step is to create customer value and customer satisfaction by adding value to the customer relationship; The second step is to increase the income for customers, and at the same time pay more attention to increasing the social income for customers, that is, to personalize and personalize their products and services on the basis of understanding the needs and wishes of specific customers, so as to strengthen the social connection between banks and customers; The third step is to increase income and social benefits for customers, at the same time increase structural contact with customers, establish a new partnership between banks and customers, create a good atmosphere of interdependence and mutual help and a harmonious corporate culture, and realize the sustainable development of the relationship between banks and customers.

(5) Advance and retreat in parallel, and constantly optimize the customer structure. Correctly handle the relationship between new customer marketing and old customer maintenance, and integrate existing customer resources. In the current increasingly fierce market competition, the stability of existing customers is the basis for maintaining market share and the best source for expanding business scope and potential new customers. So while actively marketing new customers, we must attach great importance to the maintenance of old customers. Increase market competition for high-end customers, better than high-end customers, expand mid-range customers, cultivate potential customers, form a business brand with clear hierarchy and accurate positioning, cover all target markets and meet the needs of different customers.

(6) Fine management to ensure the sustained and healthy development of the business. Further improve the institutional restraint mechanism, speed up the establishment of a value evaluation and distribution system that allows all employees to play a role and be self-disciplined, so that material distribution, spiritual distribution and rank promotion run through bank management as interest-oriented, so that employees' innovative consciousness and enthusiasm can be effectively brought into play, and the core competitiveness of grassroots commercial banks can be effectively improved.