Study On Rural Financial Institution System Based On Core Competency

This paper studies on the formation, performance and the means to achievement of our rural financial institution system. First, the paper summarized and summed up the financial institution theory and the rural financial development theory, introduced the concept of core competency and the core competency model of financial institutions, recalled the formation and evolution of rural financial institutions, evaluated the performance of our rural financial institutions, then revealed that our rural financial institution system had a lower performance level and its function in servicing the rural economy and rural finance was limited. So, it needs further reform and improvement. Further more, the paper draws on successful experience in rural financial institution system from developed and developing countries, and points out that our rural financial institutions should have seven characteristics, including financial supervision and management, strategic positioning, institutional guarantee, financial innovation, the quality of the team, administrative responsibility, and risk management, in order to protect the rural financial institutions have core competence, secure the rural financial institutions provide more credit funds for rural economic growth and rural financial development, and to meet the multilevel and decentralized financing needs.This paper includes seven parts: the first part, the General, mainly talk about the issues and the background, objectives and ideas, content and structure, methodology and data; the second part, the theoretical and conceptual framework of reference, which are summarized financial organization theory and the rural financial development of the basic theory, introduced the concept of core competency and the model; the third part, the evolution and system changes of China's rural financial organizations, mainly from the development of history and the perspective of the changes in the system of China's rural financial organizations and the development of the reform, and summarized its own rules and features on the current rural financial institutions in China's basic system structure and financial organizations in the rural financial shopping malls; the fourth part, rural financial organizations system of performance evaluation, mainly in rural financial analysis of the supply demand characteristics and on the basis of the status quo, based on financial organizations core competencies are the design features of the target system in China Organization of the rural financial system performance evaluation; the fifth part, improve the system of rural financial institutions learn from international experience, mainly on the construction of a system of rural financial institutions fruitful part of developed and developing countries, and which summed up China's rural financial institutions should refer to the construction of a system and the successful experience should be pay attention to the profound lessons; the sixth part, improve rural financial system to achieve organizational channels, mainly from the perspective of the organization, pointed out that the rural areas should be constructed of sound financial organization, and rural financial institutions should strive to cultivate core competency; the seventh part, research conclusions and policy recommendations, the former text of the analysis and exposition made a brief summation, and on how to improve the system of China's rural financial organizations practical policy recommendations.