The Development Strategy Research Of JL Rural Credit Cooperative Based On Asset Structure Optimization

Rural finance plays a very important role in the process of transforming from planned economy to market economy of China's economy.Rural credit cooperative is the main force to promote the rapid development of the rural finance,among which county rural credit cooperative is an important part of the local rural financial system,and it is an important provider of rural financial services.The rural credit cooperative has a significant contribution to serve farmers,support entrepreneurial farmers and promote rural development.However,the rural credit cooperative still faces with many difficulties and problems in the long-term development and reform,especially in the assets structure of rural credit cooperative.Dealing with the current problems play an important role in guiding the adjustment and optimization of the asset structure of rural credit cooperative,and than it also has certain reference significance and reference value for other rural credit cooperative facing these problems to adjust and optimize the assets structure.the paper chooses JL rural credit cooperative as the object of the research,and laid special stress on analyzing of the assets structure of rural credit cooperative,adopting the theoretical research and theory with practice method as a result we sum up some solutions to perfect the assets structure of rural credit cooperative based on drawing lessons from domestic and foreign experience.Firstly,this paper studies the asset structure of rural credit cooperative of the scholars at home and abroad,on the basis of these theories,the paper analyzes the status and the problems of the JL rural credit cooperative.The paper deeply analyzes the problems and causes of the reform of the assets structure,The investment structure is simple,and loan marketing model is simple.Meanwhile the increasing hollow degree of the asset structure and the large proportion of credit increases credit risk,causing large number of bad loans appear.Lastly,on the basis of comprehensive study on the assets structure of rural credit cooperative and the practical situation of JL rural credit cooperative,this paper puts forward the corresponding measures,including establishment the assets structure adjustment mechanism and personal loan center,the promotion the diversification asset composition's,development of the intermediate business,setting up the internal control system to improve the quality of loans.