Yunnan Rural Credit Cooperative Intermediate Business Innovation Research

The innovation of intermediate business of foreign commercial banks has changed, with the continuous development of China’s financial industry, many scholars to study, as well as the common practice of commercial banks, commercial bank middle business innovation that has an important significance for banks to get rid of the spread, the economic cycle fluctuation with bad loan losses, with competition increasing pressure the plight of. Rural credit cooperatives as a member of numerous financial institutions, and other commercial banks face the same predicament, need through the innovation of intermediate business income structure, increase profits. Positioning of the rural credit cooperatives of market of Yunnan province is mainly aimed at the majority of the rural market, in good external environment for countries to accelerate rural economic growth, and guide financial institutions to improve the rural finance service, bridgehead construction in Yunnan Province, to overcome the weaknesses, seize their own advantages, actively create new intermediate business products and services, to improve their own competitiveness. Intermediate business innovation has great significance on enlarging income, rural credit cooperatives to promote the development of business assets, liabilities, risk aversion. The intermediate business innovation, the rural credit cooperatives in Yunnan Province as the research content, the innovation of intermediate business has just started the Yunnan Nongxinshe, have certain reference function.The objective of this thesis is to promote the development of rural credit cooperatives in Yunnan province of the intermediate business, the first elaborated the related concept of intermediate business, intermediate business innovation theory based on the’study of the literature abroad scholars, using the research method of combining theory with practice, study the current situation of intermediate business innovation of commercial banks at home and abroad, the enlightenment and the importance of development of intermediary business of rural credit cooperatives in our province. Combined with the practical in our province, rural credit cooperatives, objectively reflect the internal and external factors of the intermediate business innovation faces, using the SWOT analysis method, to find suitable for their own development strategies, through market segmentation, clear positioning, aiming at the problems of rural credit cooperatives in Yunnan province intermediate business innovation, we should strengthen the rural market, expand market in city low-end customers, from the rural credit cooperatives to improve the innovation of intermediate business understanding, straighten out the management system, enhance staff quality and suggestions.