Community Banks: Urban Rural Credit Cooperatives Market Positioning Strategy Choice

The Rural Credit Union was born at a specific history period, compared with country business banks, it is small in scale,ability of resistance of risk is weak, but it has the superiority of base upon locality,service local middle and little enterprise and town residence .With the development of city economy, towns have become the necessary place of all banks."Three agriculture", the existent basis of the Town Rural Credit Union is becoming complete, service object is changing too . For a long time , because of market definition indistinct,management concept fall behind,property quality bad,professional work variety and service means lag behind , in the competition with country business banks, it is obvious in bad place , most prominent phenomenon is that professional work lags behind , market portion goes down .At the end of 1996 , China has performed promise to undertake , banks have been completely opened to foreign capital . In April ,2007, foreign-funded banks have been permitted to develop RenMingBi business completely in China , the competition of civil banks become fierce . The Town Rural Credit Union is at the turn in the course of events of development , facing severe reality , how to change with circumstances,exact market definition,adjust manage strategy in time,realizing the continuing development of the Town Rural Credit Union , has becomed the most important topic of the Town Rural Credit Union to solve .This article introduced the main model and development and changing of the foreign rural cooperate finance,the development course of China Rural Credit Union , analyzed the present developing situation,main questions and difficulties of SiChuan Rural Credit Union , clarified the imortance of propeling Town Rural Credit Union to bring forth new ideas to productions,professional works and mechanisms in order to adapting the course of the development of city economy, objectivly analyzed the main conditions and developing opportunities of Town Rural Credit Union currently . With the theory of market distriction,market place and competition superiority , pointing out the remarkable functions of Community Banks at relaxing financing problems of middle-little enterprises,strengthen banks constructions and promoting banks competition power wholely . The most important meaning of developing Community Banks to promote the Chinese economy , presented a certain number of some suggestions of Town Rural Credit Union raising city finance service level and developing city business .