The Survey About Promoting The Competitiveness Of Rural Credit Cooperatives Of The L City

In China,as the financial mainstay of rural places,Rural Credit Cooperatives make outstanding contributions to promote the development of the rural economy and increase farmer’s income.With the pace of our economic system reforming,the rural financial system reform has started from 1993.To system reform of rural credit cooperatives,the key point is how to improve the competitiveness of the rural credit cooperatives.The paper is based on the existing research of national and international rural financial institutions ’ competitiveness and the theory of competitiveness,employing several methods as follows:the research methods of combining history with the reality,the combination of qualitative and quantitative research methods,as well as static analysis and dynamic analysis methods.By taking the rural credit cooperatives in L city as an example,the aims of research are to figure out some main problems:Firstly,it is to establish a set of scientific,objective and conforming to the actual evaluation index system of rural credit cooperatives which covers the qualitative indexes and quantitative indexes(external competitiveness index,internal competitiveness index)of the evaluation system in following the principle of comprehensive,systematic,enforceability,comparability,applicability and so on.Secondly,according to the evaluation results,it is important to explore the next strategic direction of the L city rural credit cooperatives reform,and to take the qualitative measures,such as perfect the corporate governance and internal control management mechanism,promoting the construction of its network transformation,implement the strategy of talent strong clubs,strengthen its financial product innovation,strengthen its cultural construction and so on,and quantitative indexes measures to put forward countermeasures and Suggestions to raise the competition ability of the L city rural credit cooperatives.Through the analysis of the quantitative indicators,the study found that L city rural credit cooperatives in rural financial market still has a strong competitive power)especially market share is almost in a monopoly position in the countryside.However,rural credit cooperatives,over with a large scale,but its competitive level is low,such as poor ability to resist risk and profit growth of instability.After further from the organization system,technology innovation,business processes,human resources,cultural construction level of qualitative analysis of the competitiveness of rural credit cooperatives L city level,it still has room to improve.In view of the research conclusion,countermeasures and suggestions such as the internal control system,the lack of talent and innovation of financial products,are put forward to improve the level of competitiveness of rural credit cooperatives.In this paper,the possible innovation point lies in:firstly,based on the theory of competitiveness,it built the competitiveness evaluation index system in accordance with the L city rural credit cooperatives of the actual situation;Second,by adopting the combination of qualitative and quantitative methods,it conducts in-depth case studies,and enriches the theoretical research framework.