The Research On Countermeasures To Enhance Competitive Capacity Of Rural Credit Cooperatives In Jilin Province

Rural credit cooperatives, as an important part of China's financial system, have become the main force of rural finance, and play its role in supporting rural economic development and meeting the financing needs of farmers, as well as day to day supporting development of Mid- and small-scale enterprise in rural areas. In recent years, supervision and guidance of the financial regulatory authorities and concern and support of government departments, rural credit cooperatives have make in the continuous improvement of credit facilities and increase agriculture investment in promoting agriculture and rural economic development, and help farmers to develop production and increase revenue, and so on. and have made a great contribution.As China's continuous progress of economic and financial system reform, rural credit cooperatives are facing a golden opportunity for development, but also by unprecedented challenges. In the opportunities, the state attaches great importance to the development of rural credit cooperatives, rural credit cooperatives has truly become the main force of rural finance to address the "three rural" issue, co-ordinate urban and rural development, and building a socialist new countryside and establishing a socialist harmonious society, which for the development of rural credit cooperatives has provided a broad space.In the situation of opportunities and challenges, rural credit cooperatives to obtain a more comprehensive and deeper levels of development have become, the major problems faced by rural credit cooperatives of Jilin Province. The competitiveness on rural credit cooperatives in the market economy is sustainable development capacity relative to its competitors. It makes rural credit cooperatives maintain effective energy and sustainable development. It is rural credit cooperatives to use unique technology and develop unique business and services, and for the unique management and operational capabilities. Therefore, conducting research the competitiveness of rural credit cooperatives in Jilin Province has on important theoretical significance and practical value.Using the method of comparative research, on the basis of review to domestic and foreign literature, This paper takes rural credit cooperatives in Jilin Province as the research object and the competitiveness of rural credit cooperatives in Jilin Province as an entry point to conduct a detailed study. On the basis of relevant theory on rural credit cooperatives and competitive, This paper makes analysises of the competitive environment of rural credit cooperatives and the status of rural credit cooperatives of Jilin Province. Four elements are selected as key element of rural credit cooperatives, including human resource, innovation, service capacity and risk control capability, and the model are built. Around the four aspects of a detailed analysis and systematic research are made, countermeasures and suggestions to improve the competitiveness of rural credit cooperatives in Jilin Province. This study conclusion is mainly reflected in the following areas:(1)Analysis of the competitive environment of rural credit cooperatives in Jilin Province. Based on the analysis to the cultural environment, economic environment and policy environment, puts emphasis on the existing rural credit cooperatives in Jilin Province competitors, substitutes, competitors and potential entrants to the analysis, and summed up the rural credit cooperatives in Jilin Province strengths and weaknesses. Through the analysis of above aspects, the general environment of rural credit in Jilin province is relatively advantageous, but market environment is not ideal, therefore, to realize significant development, rural credit in Jilin province must focus on how to converse the resources and the superiority into real productive forces, and the strategic positioning should be accuracy, then it can obtain victory in the fierce competition in the market.(2) The current situation analysis of competitiveness of rural credit in Jilin province. Analyzing the development status of rural credit cooperatives, Jilin province have overall development situation and problems of rural finance, under the new situation of small and medium sized financial institutions are facing rural opportunities. Through the analysis of the above situation, found the competitiveness of Jilin province rural credit cooperatives many problems exist. Human resource of credit: management system of human resources and the internal mechanism of formalism of choose and employ persons, lack of high rigidity talents and internal structure of knowledge aging serious, innovation ability of credit: financial innovation consciousness and innovation idea renewal is not strong, fast and independent innovation, financial innovation is thrusting talent shortage, business innovation in product innovation, single species, structure, the mode of management innovation is similar, and informatization construction is backward; service ability of credit: lack of policies to support agriculture financial institutions, rural financial market lack of attractive to financial institutions, financial structure, less support agriculture products, and less on loan, cannot satisfy the " agriculture, rural areas and farmers" economic development effectively capital demand; credit risk control: lack of check before the loan, when formalism of subprime loans after examination and inspection level is low and coinsurance loan risk and risk management consciousness of peasant is not strong, the complexity of the loan risk knowledge, risk management method, the loan contract original extensive unreasonable, and credit quality is low, working ability is not strong.(3)Construction of rural credit cooperatives in the province's competitiveness evaluation model. Based on the analysis to major problems facing rural finance and opportunities, selects human resources, innovation, service capacity and risk control as key factors impacting on competitiveness of rural credit cooperatives in Jilin Province, and builds competitive force model.(4)Measures have be developed to enhance the competitiveness of rural credit cooperatives. Respectively from human resources, innovation, service capacity and risk control, the problems are analyzed, and countermeasures and suggestions are put forward according to this questions. Human resources: improving the quality of employees, fully understanding human resources to the importance of rural credit cooperatives, strengthen the internal management system, perfect the mechanism, and senior management personnel of the publicly-elected mechanism; innovation ability: promote modern rural financial system innovation actively, deepening the reform of rural credit cooperatives property and system innovation, with the construction of modern enterprises, promoting mechanism innovation, market-oriented, science and technology innovation, product innovation ability, strengthen the innovation of science and technology, and the rural financial ecological environment, establishing modern rural financial system; Service ability: strengthening support " agriculture, rural areas and farmers", deepening financial service connotation, strengthen the management strategies for change, improve the ability to control the market research, adjust policy on the basis of investigation, strengthen the service, occupation and hold market, develop the activities of " universal financial policy ", improve the quality of the staff rapidly, build knowledge team; The risk control aspects: classify farmers scientifically, abide by "three check" system, insist on four principles throughout, improve quality of customer manager continuously and improve the credit environment comprehensively.In a word, we hope this paper may have certain reference value to promote the competitiveness and long-term development of rural credit in Jilin province...