Research On The Competitiveness Of Xiping CF Village Bank

Since the "speeding up the reform and innovation of the rural financial system" in 2004,the Central Committee of the Central Committee of the Central Committee of China began to build up the financial services of the national financial work conference in 2017,to strengthen financial services for small and micro enterprises,"three rural" and remote areas.The eighteen major reports put forward that the "three rural" problem is an important strategic idea to deepen the core of the reform in an all-round way,and to further improve the understanding of the first place of the agricultural industry base in all angles.In 2006,a number of opinions on adjusting the access policy of banking gold knockout institutions in rural areas and better supporting the construction of the new rural construction were clearly defined,and 36 cities and counties in 6 provinces such as Sichuan were set as pilot areas.In January2007,the Interim Regulations on the management of village and town banks was introduced,which provided a basis for the establishment and development of village banks,and also pointed out a new direction for the entry of private capital into the banking industry.In November 2007,25 provinces or municipalities directly under the central government were brought into the pilot area,and the development of village and town banks has gained an unprecedented good opportunity,and 18 in December 2009.The first village bank in Zhumadian,Xiping,CF village bank was formally established.The emergence of the CF village bank in Xiping has a far-reaching impact on the ecological environment of the rural regional financial industry in Xiping county.Its significance is very significant.It not only promotes the diversification of the rural financial market in Xiping County,enriches the financial financing channels of rural areas,promotes the creation of financial services,and accelerates the acceleration of the form of financial institutions.The formation of a good competitive mechanism has improved the service quality and efficiency of the financial industry,and has a far-reaching impact on the ecological environment of the rural regional financialindustry in Xiping county.But for the Xiping CF village bank,under the support of good national policy and the favorable agricultural economic and financial environment created by the local government,it has some advantages to survive,develop and expand.However,the Xiping Village Bank of Xiping has been established for less than 10 years,in addition,the competition between the same industry is fierce,and the ability to resist risk has its own ability.There are many challenges in the current competitiveness,implicit competitiveness and environmental competitiveness,which can not be ignored in the current competitiveness,recessive competitiveness and environmental competitiveness.This has become an important issue facing the village bank of CF in Xiping.In conclusion,in order to recognize the real situation of the competitiveness of the village and town bank of CF in Xiping,and to solve some of the challenges and problems encountered in the process of its development,this paper uses the methods of reference at home and abroad,field research and statistical data analysis to divide the competitiveness research frame of the Xiping village bank competitiveness into the current competitiveness,the invisible competitiveness and the existing competitiveness.Three aspects of environmental competitiveness are evaluated respectively,and the challenges and problems of competitiveness are found.In terms of the current competitiveness,the Xiping CF village bank has been set up late,but the scale of the branch has developed rapidly,the services are standardized,and the profitability is increasing year by year;the liquidity index is in accordance with the requirements of the regulatory department and is in full state;the safety condition is good and the bad rate is in good condition.At a low level,however,the creation of non-performing loans should also cause the bank to pay attention to its weak and high-risk service targets.From the point of view of the hidden competitiveness,the CF village bank in Xiping has a certain corporate governance ability,which is in line with the requirements of the company law,and has its own system of risk prevention and control,which creates conditions for the healthy and smooth development of the bank;the employees have high degree of education and all kinds of business systems can meet their daily business.This has a certain role in promoting innovation.However,we should not neglect the problems such as inappropriate professional staffand low social quality,insufficient support for science and technology,and limited creativity.From the perspective of environmental competitiveness,the inclination of national policies and regulatory policies has brought opportunities for rural financial institutions to develop.Good local economic development has created a good financial competition environment for rural financial institutions,but the CF village bank in Xiping should be aware that the beneficiaries of this environment not only have only one family.How to seize the opportunity of development with the east wind of policy,test the local governments and regulators,and test the decision-making level of CF village banks in Xiping..In the face of complex and changeable living environment,CF village bank in Xiping is the first task to improve its popularity and influence.Secondly,it should control risk and guarantee the quality of assets.Under the premise of asset safety control,we should strive to innovate the product diversification and seek new profit growth point.Finally,we should further optimize the corporate governance.To ensure the efficient operation of the enterprise.In addition,the government and regulators should implement supportive policies and establish a good and orderly financial competition environment..