Hebei Province Rural Credit Cooperatives Competitiveness Countermeasure Research

The party central committee and state council attaches great importance to play the core role of rural financial service "three rural". Recently,18 approval of the third plenary session of "the central committee of the communist party of China on comprehensively deepen reform certain major issue decision", emphasizes the pratt and whitney financial development, encourage financial innovation. The financial sector to carry out the central deployment earnestly, great changes have taken place in rural financial outlook. But generally speaking, the rural finance is still the weak link of the financial system in China, and the requirement of rural economic and social development and social expectations, there is still a large gap, this also means that the rural financial innovation and the development potential is tremendous. In the interest rate marketization, urbanization, pratt and whitney financial, science and technology (strongly support energy conservation and environmental protection, science and technology innovative small micro enterprises), such as the Internet financial comprehensive background, how to improve competitiveness of rural credit cooperatives in Hebei province and peasantry ability will become the top priority, this is what this article will focus on research and solve the problem.Based on this, this article selects of rural credit cooperatives in rural financial system as a research object, by the "Hebei province rural credit cooperatives competitiveness countermeasure research" as a thesis topic. First of all, on the premise of analyzing the whole background, related concepts and theoretical basis of this paper, including the competitive concept, the connotation of the competitiveness of rural credit cooperatives and other relevant theory; Then, the establishment of appropriate conforms to the particularity of the competitiveness evaluation index system of rural credit cooperatives, including total assets, balance and its growth rate, loan balance and growth, deposit-loan ratio, provision coverage, total profit, return on equity, profit before provisions and other indicators; At the same time, from the perspective of recessive competition and competition environment of Hebei province rural credit cooperatives financial environment of its own advantages and disadvantages and make a comprehensive consideration, will own longitudinal comparison at the same time, rural credit cooperatives in Hebei province and make transverse comparison with other rural financial institutions, revealed the weak link of rural credit cooperative development in Hebei province, its competitiveness is the comprehensive analysis and grasp; Finally, explore the next strategy towards the rural credit cooperatives in Hebei province, the focus on business development direction of research, put forward the strategy of advantageous to raise its competitiveness, to make it better service to new countryside construction.