Study On Development Strategies Of Huma County Rural Credit Cooperatives In Heilongjiang Province

Rural credit cooperatives as a typical representative of rural cooperative finance in China, Focus on rural idle cash, Meet the demand of rural credit, improve the farmers’living standard, it plays an important role in the prosperity of the rural economy. With the further deepening of reform of rural credit cooperatives of our country. Nationwide, Rural credit cooperatives has made great progress and development, but there are many restricting factors of Rural credit cooperatives. Especially the remote underdeveloped areas. This paper takes Huma County Rural Credit Cooperatives in Heilongjiang Province as an example. Through a lot of data analysis and field investigation, we will put forward feasible suggestions for future development of rural credit cooperatives in Huma county. And put forward concrete suggestions to its operations and development. Under the macro-background of great support for agricultural development from the state and the micro-background of fierce banking competition, On how high its continuous competitive and promote its sustainable development as my research object.In this paper, through a lot of data analysis and field research, By reading a large number of literatures, expounds and analyzed the concept of rural credit cooperatives, the characteristics of the rural credit cooperatives, financial deepening theory, financial restriction theory and rural financial market theory. Provide the theoretical basis of the development of Huma County Rural Credit Cooperatives. Through a lot of data analysis and field investigation, we analyze the economic environment, business cases and problems of Huma County Rural Credit Cooperatives in Heilongjiang Province. And then introduces the present situation and the main problems of the development of Huma County Rural Credit Cooperatives. Through the investigation and study, we find there exist problems about the human constitution, financial innovation ability, risk control ability, enterprise culture and the management mechanism. These problems restricting the development of Huma County Rural Credit Cooperatives. On this basis, we find the main factors that affect the development of Huma County Rural Credit Cooperatives. Using analytic hierarchy process, analysis the main factors of developmeng of Huma County Rural Credit Cooperatives, We analyze in turn nine factors, such as government policies, corporate governance, human resource management, enterprise culture. The local economic level, financial innovation ability, Laws and regulations, service level and science. We analyze in these factors, through the establishment of index system, summarization of data, data analysis, consistency validation, we obtain their weight. And comprehensive sequencing and analysis. According to the comprehensive weight to conclude that the financial innovation, corporate governance and government policies are significant for the development of rural credit cooperatives in Huma.At the same time, draw lessons from the successful experience of China’s rural credit cooperatives reform, such as Guangdong Province Rural Credit Cooperatives, Zhejiang Province Rural Credit Cooperatives and Inner Mongolia Autonomous Region Rural Credit Cooperatives.And adopt those measures that suitable for development of rural credit cooperatives in Huma county, to put forward feasible suggestions for its future development.At last, we put forward feasible suggestions for future development of rural credit cooperatives in Huma county. Under the macro-background of great support for agricultural development from the state and the micro-background of fierce banking competition, we do a deep analysis on how to improve profitability, risk management capabilities and competitiveness of the industry. To address the unreasonable human resources distribution, The low level of service, lack of innovation ability, the imperfect regulatory system, and lack of corporate culture,etc., We suggest to introduce talents, establish competition and evaluation mechanism, complete corporate governance structure, improve the internal management mechanism, improve farmer credit evaluation system, strengthen risk control, establish credit culture system, develop the enterprise culture to further standardize and promote the operation and development of Huma County rural credit cooperatives in Heilongjiang Province, make them really be based on and serve the "three agricultures(issues of agriculture, farmer and rural area)", and gradually become local financial institutions able to fully meet the demands of the rural economy.