Research On The Transformation Mode And Countermeasures Of The Rural Credit Cooperatives In Shandong Province

Commercial bank branch transformation is based on market and customer needs,standardized,unified jurisdiction outlets service marketing model to achieve service standardization and consistency of the customer experience,to improve product marketing capabilities,improve customer satisfaction and market share strategic choice.In recent years,with the gradual opening of the financial industry,the rapid development of internet technology,domestic commercial banks to speed up the pace of network transformation.From the network appearance decoration,layout optimization and other "hard transition" to professional management,process reengineering,change service,system reform and other "soft transition",all of these greatly improve the network operating efficiency and market competitiveness.It is,therefore,advisable that the Rural Credit Cooperatives should follow the trend of financial development and accelerate the transformation of traditional business outlets.Based on the theory of enterprise management,this paper chooses the three Rural Credit Cooperatives of Changle,Zaozhuang and Feixian as examples.The results from the researches conclude that these examples exemplify the mode and experience of Rural Credit Cooperatives in the entire Shandong province and puts forward some countermeasures and suggestions.The research shows that there are three modes of transformation of Rural Credit Cooperatives in Shandong,the first transformation mode is physical channel,marketing and examination mechanism;the second is the process bank construction mode;the third is the community bank construction mode.The problems that the transformation of network faces is the lack of innovation,the lack of integration with the Internet financial platform,the weak technology support,as well as the lack of professionals,personnel quality to be improved and so on.In the current economic and financial situation,it is suggested to proceed from the aspects of updating the concept,speeding up the innovation,highlighting the characteristics,strengthening human resources,protect scientific and technological support,cooperate to promote the formation of work together,pay attention to customer satisfaction and market demands in order to accelerate the promotion of Shandong Rural Credit network transformation.