The Study To Luoyang Rural Credit Cooperative Of Personal Wealth Management

Nowadays, with the rapid development of economy and the accelerating urban-rural integration, it is importance to develop the rural personal wealth-management business, which not only broadens the channels of increasing farmers’ income, but also is conducive to the improvement of rural financial markets. In the long run, it promotes the construction of a new socialist countryside. However, the shortage of personal financial services in Luoyang Rural Credit Cooperatives are serious, resulting in a lower service level of rural credit and the weakening of comprehensive competitiveness.For the development of private wealth-management business in Luoyang rural credit cooperatives, this article, using the methods of literature and empirical analysis and survey research, provides an overall analysis of the present business, which is based on the research about this topic at home and abroad. This article analyses the internal and external environment, and contrasts other commercial banks’personal finance business with Luoyang Rural Credit personal Financial Services to dig out the main issues. And aimed at the issues, the article provides Luoyang Rural Credit Cooperatives strategies for the development of personal wealth-management business, offering basic reference.This paper includes five parts:Chapterl, preface. Mainly discusses the research’s background and significance;summarizes domestic and foreign research situation about the personal financial management business in recent years; introduces the research’s main contents, the framework and methods. In Chapter2and3, the paper analyzes Luoyang rural credit cooperatives development of personal financial services, and problems in develop personal wealth management business. Chapter4, The solution to the problem. Provides strategies for the development of personal financial business in Luoyang agricultural credit from many aspects. chapter6, summary, points out the thesis’s shortage and provides proposals for the development of the personal financial management business in the future.