Business Innovation, Sustainable Development Of Rural Credit Cooperatives

The reform of Rural Credit cooperatives has acquired a outstanding achievement of present stage since 2003, the first step task of the reform has finished already, Property System made a big breakthrough, a new management framework has shaped, the quality of the asset has improved constantly. To serve"three rurals"better, promote the development of new socialist rural areas, as the main force, Rural Credit cooperatives should deepen the reform with the time. At the same time, rural diversified financial market has shaped with the constant reform of rural financial market, The Buyer's market changed to seller's one, and the competition pattern has transformed from property-oriented type to management-oriented type. It seems that it is a very important and necessary part to enhance the ability of Rural Credit cooperatives to offer service through management innovation, so as to realize sustainable development. This paper is to study the management innovation in the angle of combining CIS and"process bank".In the realistic background of overall open up to global market after our entry into WTO, rural financial progressive reform, diversified rural financial market, present situation of Rural Credit cooperatives and its coming challenges, This paper firstly reviewed the theories of CIS and"process bank", then decided my logic Starting point and study angle; on the base of this, determined the concept framework of management innovation on Rural Credit cooperatives'sustainable development, analyzed Feasibility of the combination of CIS and"process bank", defined their conception and their combined conception and the combining Principle, constructed the combining model; this paper analyzed the macro-state of Rural Credit cooperatives, problems during the reform ,corresponding reasons and coming challenges. This paper designed two questionnaires to find problems during the reform and corresponding reasons. This paper made reference to global American citibank, Bangladesh micro-credit and domestic Zhejiang credit cooperatives, then put forward propositions including business reconstruction, human resource system reconstruction, management system reconstruction, information system reconstruction and organizational structure system reconstruction, at last, the author simply chose some indexes and specified their applications to measure whether the management innovation is a success or not.