Heze City Of Rural Credit Cooperatives Development Strategy

With the continuous development of China’s rural economy and society, the people of rural have higher and higher requirement with financial products and services, rural credit cooperatives as the main force of rural finance, plays an irreplaceable role in service "three rural". Rural credit Union usher in opportunities, meanwhile the challenge is getting bigger and bigger. Rural credit Union operating relatively homogenous, internal management is relatively backward, the shortage of talent in an increasingly competitive external circumstances, fall behind, rural credit Union and rural financial institutions must have the same situation from the strategic to the tactical has a a drastic move to catch up, to be invincible. In recent years, the development of rural financial reform has run into the fast lane, and rural credit Union gradually turn to the rural cooperative banks, rural commercial banks. Heze City Credit Union plans to transition to agricultural businesses in the recent years.The article combines with domestic and international strategic management theory, and then combined with the actual development of the economic and social development in Heze City, Heze City, credit Union parse the advantages and disadvantages of Heze City Credit Union, in the framework of PEST and SWOT analysis. Finally, the transformation of the provincial association functions, introduction of strategic investors and the implementation of the development strategy of differentiation, and actively carry out the development model innovation, business innovation, mechanism innovation, management innovation, brand and corporate culture of innovation, Heze City Credit Union in the scale of capital, asset quality, risk control, operation and managementthe ability to get significantly improved, so as to promote the healthy and sustainable development of He ze CityThe main problems in the development process the Heze City Credit Union: rural credit Union and financial nature positioning vague, have a certain impact on the management and decision-making of the Credit Union; inadequate corporate governance structure, resulting in the loss of function of the checks and balances of power, increase managementlayer of moral hazard; credit market positioning deviation, seriously affect the development of customer market; low level of risk management, resulting in new non-performing loan repayment by increased;...