| The Chinese peasants voluntarily become the stakeholders of the rural credit cooperatives and the stakeholders manage the cooperatives all by themselves, thus the cooperatives are a very important part of the Chinese financial institutions serving for the stakeholders .Recent years, Ningxia rural credit cooperatives developed very fast under the policy support of the government and it's own effort, it has done great contributions for the Sannong (Agriculture, Rural Development and Peasant's Issues) economy. It was pointed out in China's 11th Five-Year Plan that "the constructions of new socialist countryside", which has not only provided great opportunities and challenges for Ningxia rural credit cooperatives, but also great comparative pressure.In order to make Ningxia rural credit cooperatives compete successfully in the market and develop rapidly, this paper points out the directions and management strategies for the development of Ningxia rural credit cooperatives and the detailed strategical process through the research of present conditions of it's development, outer environment and inner conditions as well as local economy development.This paper argues that the to base on Sannong policy is the basic conditions for Ningxia rural credit cooperatives to survive and develop. Ningxia rural credit cooperatives must take Sannong as principles and stabilize the rural market, develop city market. In the direction of the development, Ningxia rural credit cooperatives should organize the rural cooperative banks to strengthen the core competence of local enterprises and the ability to resist the risk according to the modern enterprise institutions. In the management strategies, Ningxia rural credit cooperatives should choose differentiation strategy to classify the market into cities, outskirts of a city and countryside, while classify the clients into middle or small sized enterprises, peasants and citizens. Make different strategy for different market. |
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