Urumqi County Middle Business Needs Of Rural Credit Cooperatives

Along with the deepening of financial liberalization, financial market increasingly fiercecompetition, the management risk of the financial institutions, in order to avoid and reducethe risks, financial institutions have to find new profit growth point. The development ofcapital market, the diversification of investment channels, the traditional loan business underthe influence of interest rate marketization, allow financial institutions to obtain profit marketfoundation further weakened and face enormous challenges, and played the stable customers,contact customer service, customer role to promote the development of traditional assets andliabilities business. Intermediary business has become one of the core institutions of modernfinancial institutions. Social financial demand growing at the same time, the rural financialdemand with residents are increasingly diversified, the intermediary business put forwardobjective requirement for development of rural credit cooperatives. And rural creditcooperatives loan interest income is still the main business income and the development ofintermediary business is still in its infancy, at the same time facing the bad assets proportionhigh, financial management burden heavy, management efficiency is low, the serioussituation of rural credit cooperatives under the support of government and policy, give fullplay to their own advantages, vigorously develop intermediary business and innovation, nomatter from reality or think about the longer term, has become to improve the efficiency ofrural credit cooperatives, strengthen competition ability is the inevitable choice.Thesis used the questionnaire method, combining theory with practice, starting from thesignificance of rural credit cooperatives development of intermediary business, combinedwith theoretical analysis and literature review, an overview of the intermediary businessconcept, classification, characteristics, etc. Secondly through the WuLuMuJiXian rural creditcooperatives to farmers on various aspects demand for intermediary business conditions, findout WuLuMuJiXian breakthrough for the development of intermediary business developmentof rural credit cooperatives, find out root cause, and carries on the analysis of the causes, putforward the corresponding countermeasures and Suggestions for last question. The maincharacteristic of this paper is around WuLuMuJiXian rural credit cooperatives thedevelopment of intermediary business as the research content, focus on business developmentof the rural credit cooperatives and the sustainable development of the management benefit, tothe actual work has a strong reference and guiding significance.