| Rural Credit financial cooperatives is a special financial form that labors voluntarily join into the group and become a shareholder with democratic management to gain service as well as benefits that is the combination of community and individual on market economy basis. It is the main power of financial in rural area, which operates with the function of financial services for rural economic development. Rural credit financial cooperatives as an important part of rural cooperative finance play a critical role that could not be ignored in rural- urban integration in the contemporary China. During the development of rural credit financial in Sanyuan County, it has shaped its unique advantages while facing multi strategic opportunities, for example, the support of national policy. However, in the internal of rural credit financial cooperatives, issues like unreasonable deposit structure, weakened awareness of risk prevention, feeble foundation management and so on, still exists, which restricted the constant development and strive of it. Therefore, in this essay, it will analyze the overview of rural credit financial cooperatives development in Sanyuan County as well as a series of problems via visiting and survey. Based on SWOT analysis, it will find out external opportunities, threats, internal advantages as well as disadvantages in Sanyuan County. Following this, it will utilize enterprise strategic management theory and bring up general strategic idea on the constant development of rural credit cooperatives in the county to offer theoretical support. And this essay is roughly divided into 5 categories.Chapter 1: Prolegomena In this chapter, it will outline the background, objectives and meaning of this essay while overviewing the development of rural credit cooperatives both overseas and domestically. Following this, it will put forward the main context and methods in this essay with its innovation and defects.Chapter 2: Characteristics and development process of rural credit cooperatives. In the chapter, it will summarize the concept of rural credit cooperatives and analyzed the characteristics of it as well as the process of rural credit cooperatives development in China. Chapter 3: current development status of rural credit cooperatives in Sanyuan County and the problem.This chapter will figure out the results as follows by analyzing current development status of it: increasing enlarged scale of credit cooperatives’ business in deposit as well as loaning, recruiting part of university undergraduates majoring in Finance to join the foundation team, optimizing structure inside the team, significance in establishing team culture with improvement of the quality of capital. At the same time, it will continue to increase its inputs in fundamental devices as well as increase agriculture. However, issues existed during the process are also prominent, for example, imperfect in management system, heavy historical burden, which are affecting the development of it. Also, it was intervened by some departments in the government, which the democracy could hardly be ensured. The operation management is still weak with low efficiency in running. Also, the managerial links are still feeble. And without the original intention of cooperative financial, its comprehensive service is still imperfect with relatively single channel in investment and financial services, which would lead to massive outflow from rural area. The financial environment of rural credit cooperative demands badly optimization as well as its organizational system. The overall quality of clerks is still relatively low and it is in need of financial talents.Chapter 4: SWOT analysis of rural credit cooperative in Sanyuan County on a new normal basisThis essay utilizes the SWOT analysis tool to analyze rural credit cooperative in Sanyuan County and draws a conclusion that rural credit cooperative in Sanyuan County has faced multi strategic opportunities as well as threats raised by increasingly fierce competition in financial markets. Rural credit cooperative in Sanyuan County utilizes its advantages in customers’ resources in rural area, but is risk management is still weak. It will eventually become the largest, most well- rounded with highest social responsibility and the most satisfactory financial institute by differentiation in service, modernization in management as well as process- oriented business.Chapter 5: Development strategic selection of rural credit cooperative in Sanyuan County on a new normal basis.The chapter utilizes SWOT analysis to analyze rural credit cooperative in Sanyuan County, which believes that rural credit cooperative in Sanyuan County could utilize multiple strategic opportunities and exert its unique market resource in rural area by continuously enlarging brand resources and customer resources as well as constantly strengthen the dynamics of reform to get over difficulties by exerting advantages and avoiding shortcoming. rural credit cooperative in Sanyuan County should choose growth oriented development strategy as a overall strategy.Chapter 6: Safety precautions and suggestions in development strategy of rural credit cooperative in Sanyuan CountyThe chapter combines current managerial situation and existed study results of rural credit cooperative in Sanyuan County and Sanyuan County, and then brings up with the suggestion to improve rural credit cooperatives in Sanyuan County. First of all, complete managerial system of credit cooperatives and strengthen its main power in rural finance. Following this, constantly increase operation management and make sure property as soon as possible and enrich rural- supporting services. Last but no least, improve juristic system environment. At the same time, reinforce support, establish guarantee system and prevent from rural financial risks. Also, engage in establishment of enterprise culture and talents to gain the support from government.Chapter 7: Conclusion.This chapter summarizes the essay thoroughly and gives an outlook to future study. |
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