Yunnan Funding Problems And The Development Of Rural Credit Union Model Based On SWOT Analysis

Rural fund cooperatives is the new type of rural financial institutions Chinacharacteristics, it accords with the principle of international cooperation, is the truesense of the cooperative financial organization. The natural advantage of completeinformation, greatly reduces the cost, improves the efficiency. Its unique institutionalarrangement and organization pattern, under the conditions of a market economy, andprovides an effective way to solve financial difficulties in the remote, impoverishedarea farmers.Based on the mutual cooperative finance as the main line, first to the relevantresearch results at home and abroad are introduced, and the definition of cooperativefinance related concepts, and on the basis of cooperation in economic theory,cooperative finance theory and the rural financial market theory to elaborate on,carries out research on the development of Yunnan Rural Credit Union funds.Analysis of the current development situation of Yunnan province rural fundcooperatives, believe the reason why there is no formal rural fund cooperatives inYunnan province, mainly is the high threshold regulation and access. According to theactual situation of Yunnan Province, analysis the development of rural credit unionfunds in Yunnan province by SWOT analysis method. In deep mining in Yunnanprovince development of rural mutual cooperative advantages, disadvantages,opportunities and threats of the basis, summed up the development of Yunnan ruralfund cooperatives are more advantages than disadvantages, opportunities outweighthe challenges of the conclusion. And through SWOT-CLPV matrix analysis tool toanalysis the development strategy selection of Yunnan province rural mutualcooperative, namely: conform to national policy, the implementation of growthstrategy; strengthen the organization members training, raise awareness ofcooperation with high member; to strengthen their own management, control operation risk; the implementation of transformation strategy, timely cooperate withvillage banks and so on. After the three set up earlier, the development of moresuccessful rural mutual development model agency is analyzed in detail and contrast,the basis of their successful experience, the development mode of rural fundcooperatives of Yunnan Province, Yunnan province develop the rural fundcooperatives should follow the five principles as for agricultural service, regional,scale control, the government "reboot, light management", and from theorganizational structure, ownership, risk control and credit rules four aspects to theYunnan province rural fund cooperatives operating mechanism in detail. Finally fromthe macro supervision, guidance and policy three aspects of the development ofYunnan province rural fund cooperatives proposes to strengthen supervision, preventthe alienation; actively guide, encourage development; policy support, and promotethe development of three measures.