Research On Rural Credit Cooperatives's Outlets Transformation

With the increasing competition in the domestic banking sector and the change of customer demands for banking services,"basic outlets",as a financial institution at the front desk service positions and the bridgehead of competition,has also been great impact and challenges.Domestic commercial banks,though have obvious advantages in quantity of basic outlets,but due to the imperfection of the existing economic system and traditional management concept and mode under the influence of relative single conservative,domestic commercial banks have not succeeded in transforming node number advantages into competitive advantages.Therefore,how to transform and reshape the basic outlets to improve the present situation and meet the development requirements of the new situation have become a consensus of domestic commercial banks.This article will focus on rural credit cooperatives,which is mainly serve agriculture rural areas and farmers,micro small and medium enterprises,as well as the county economy of "social retail bank".The basic outlets of rural credit cooperatives exposed problems,especially under the new situation,the old service mode,the service such as low efficiency and weak profitability disadvantage.Based on this,this article will carding and interpretation the concept of “outlets transformation”,current situation of the development of outlets transformation of commercial banks at home and abroad,and draw on the experience of its successful experience,then analysis and thinking of many problems that the rural credit cooperatives outlets transformation are facing.On the basis of these,by summarizing some experience in the development of rural credit cooperatives and deeply analyzing the development bottleneck of rural credit cooperatives,and by means of text analysis,case studies,comparative analysis,SWOT analysis method,etc.in order to further explore how to implement outlets transformation of rural credit cooperatives to cope with the competition in the external and break through its own development bottleneck.So that in an effort to make certain groundbreakingresearch.