Rural Credit Cooperatives To Introduce Strategic Feasibility Analysis And Countermeasure Esearch

From deepening the system reform of rural credit cooperatives in2003, through the national policy support and reform deepening, rural credit cooperatives continuous development scale, the overall strength has greatly improved, but after the reform of rural credit cooperatives and not fully achieve the reform of the "buy mechanism" expectations. Compared with the state-owned Banks and joint-stock Banks, in the competition ability, technology level and ability to resist risk, etc, there are larger gap; Operational mechanism is not perfect, imperfect corporate governance structure, lack of competitiveness is still the main problem. Rural credit cooperatives is thinking about how to reform and development.Along with our country financial industry comprehensive opening, domestic Banks by introducing strategic investors to improve their management ability and competition ability, has from the beginning of the large state-owned commercial Banks, joint-stock commercial Banks, city commercial Banks to the further development of rural credit cooperatives. In recent years, some developed areas of rural credit cooperatives to seeking a foothold in the fierce competition environment, are introduced through capital way start strategic cooperation with domestic and foreign financial institutions and other organizations. By introducing strategic investors and part of the rural credit cooperatives got rapid development, in a relatively short period of time to realize the improvement of the comprehensive competition ability. But the introduction of strategic investors for rural credit cooperatives reform of rural credit cooperatives is a "double-edged sword", for its advanced system, technology, talent, capital and products at the same time, also lurk some contradictions and conflicts. In practice, therefore, the rural credit cooperatives to introduce strategic investors to explore and summarize the thinking, to the development of China’s credit cooperatives has very important practical significance.Looked from the idea of empirical, first by difference test, before and after the introduction of strategic investors bank of investment banking and investment banking ROA, ROE, non-performing loans and capital adequacy ratio has carried on the comparative analysis, found that bank every index has obvious correlation with Banks to introduce strategic investors, namely as the Banks after the introduction of strategic investors, ROA, ROE and capital adequacy ratio has obvious increase, and non-performing loans have significantly lower, therefore, puts forward the introduction of strategic investors can improve the operating performance of rural credit cooperatives. Second, using multiple regression analysis, principal component analysis to establish the empirical model, empirical analysis of the introduction of strategic investors and Banks, the relationship between the operating performance of the rural credit cooperatives is obtained the introduction of strategic investors is feasible conclusion. Finally, according to the analysis result, proposed the rural credit cooperatives in the process of introducing strategic investors may be some problems, and puts forward some countermeasures to the introduction of strategic investors and the introduction of the program, so as to more desire through the introduction of strategic investors to realize the development of rural credit cooperatives to provide some reference.