A Practical Study Of Credit Factory Solution Of Three-rural Financing Difficulties In The Village Bank Of Dongyuantaiye

In recent years, our country rural economy is showing the vigorous development situation, but rural development lags behind, restricting the development of rural credit, and hinders the rapid development of rural economy. In order to speed up rural economic development, the government introduced preferential policies to encourage commercial banks to increase investment in the three rural credits.The paper focus on DongYuanthaiye of village bank for the study, depth study of the development status of Dongyuan County economic and three rural problems, based on the analysis of the plight of DongYuanthaiye of village bank in three rural credits. In the case of the situation, as a rural bank, DongYuanthaiye of village bank makes use of Credit Factory model to develop solutions to solving the three rural difficulties.Credit factory model is applied on the basis of the theory first at the theoretical level, the use of Niche strategy, SWOT analysis, credit5C and risk management theory. The paper analyses whether or not DongYuanthaiye of village banks are able to apply credit factories theory to solve the three rural credit difficult problems. In addition, in the level of practice, with a comprehensive analysis of the Bank of China and China Construction Bank small medium enterprise credit business and the successful experiences of the use of the theory of credit factory, this paper summarizes and analyzes the feasibility of DongYuanthaiye of village bank solve the problems.After the above analysis and research, it fully proved the Credit Factory theory can solve the difficult problems of the three rural. This thesis designed in accordance with the standardization of product development and design, operating procedures, management information system building, team building and marketing management of five parts. The theory of Credit Factory is implanted DongYuanthaiye of village bank three rural credit business solutions. At the same time, as an opportunity, the implementation of this program can improve and optimize further risk management mechanism in DongYuanthaiye of village bank. This paper apply to not only DongYuanthaiye of village bank but also the other banks, and provide a reference to Solve three rural credit problems. In recent years, our country rural economy is showing the vigorous development situation, but rural development lags behind, restricting the development of rural credit, and hinders the rapid development of rural economy. In order to speed up rural economic development, the government introduced preferential policies to encourage commercial banks to increase investment in the three rural credit.The paper focus on Dongyuanthaiye of village bank for the study, in-depth study of the development status of Dongyuan County economic and three rural problems, based on the analysis of the plight of Dongyuantaiye of village bank in three rural credit. Dongyuanyaiye of village bank makes use of Credit Factory theory to develop solutions to solving the three credit difficulties finance problem.Credit factory model is applied on the basis of the theory first at the theoretical level, the use of Niche strategy, SWOT analysis, credit5C and risk management theory. The paper analyses whether or not DongYuanthaiye of village banks are able to apply credit factories theory to solve the three rural credit difficult problems.In addition, in the level of practice, with a comprehensive analysis of the Bank of China and China Construction Bank small medium enterprise credit business and the successful experiences of the use of the theory of credit factory, this paper summarizes and analyzes the feasibility of DongYuanthaiye of village bank solve the problems.After the above analysis and research, it fully proved the Credit Factory theory can solve the difficult problems of the three rural.This thesis designed in accordance with the standardization of product development and design, operating procedures, management information system building, team building and marketing management of five parts. The theory of Credit Factory is implanted Dongyuanthaiye of village bank three rural credit business solutions. At the same time, as an opportunity, the implementation of this program can improve and optimize further risk management mechanism of Dongyuanthaiye of village bank. This paper applies to not only Dongyuanthaiye of village bank but also the other banks, and provide a reference to Solve three rural credit problems.