Report Of Survey And Analysis On Competitiveness Of Rural Credit Union In A County Of Sichuan Province

Competition in the financial services industry has become increasingly fierce, and as the rural areas of banking financial institutions-rural credit cooperatives, as the main force of rural finance, rural credit cooperatives should be recognized in this fierce competition state clearly the advantages and disadvantages of self-development, the purpose of its rural services determine the key service areas of the rural credit cooperatives should be the vast rural areas, rural credit cooperatives plays an important role in financial intermediation in the county economic development, but with the recent years of large state-owned banks and city commercial banks in the rapid expansion of the county area, rural credit cooperatives only recognize their own situation and take appropriate measures to remain unbeaten in the fierce competition ground. I was born in the rural town and I have natural intimacy and familiarity of rural credit cooperatives,so I have always wanted to do something for the development of rural credit cooperatives. During the internship,I thought analysis on competitiveness of rural credit cooperative maybe a good idea,then I seriously research and collect relevant data to achieve this goal.In the system of rural credit cooperative in Sichuan province, part of the rural credit cooperatives have been converted into banks or cooperative banks in rural areas of agriculture and commerce, although the specific form of organization has changed, but its rural services positioning, the main force of rural financial status has not changed.This paper focus on a county rural credit cooperatives in Sichuan Province.This county is named J county.By conducting in-depth research and analysis through its detailed research, I got a lot of first-hand data during the internship.This paper focus on the competitiveness of J county’s rural credit cooperatives, evaluating its competitive position and market share, at the same time from the analysis to find its competitive advantage and "short board", trying to explore an effective way to improve the competitiveness of the county’s rural credit cooperatives in the fierce market competition, expecting to offer a few ideas for the sustainable development of the rural credit cooperatives in Sichuan Province.The paper includes two main parts:the first one is the basic theory, including the cooperative financial theory, the theory of competitive and a basic overview of China’s rural credit cooperatives, the second one is research on J County rural credit cooperatives, with the aforementioned theory to design the appropriate indicators to compare and empirical, and finally arrive at recommendations for improvement.Specifically, this dissertation is divided into six chapters:The first chapter introduces cooperative financial (rural credit cooperatives) theoryThe second chapter introduces the theory of competitiveness and definition of rural credit cooperatives competitivenessThe third chapter introduces the different standards on the competitiveness of the bankThe forth chapter sets up a corresponding analysis of the competitiveness of rural credit cooperatives in J County assessment index system based on the competition between the theory of competitive and banking indicators.The fifth chapter use the index system established for the specific survey analysis on J County Rural Credit CooperativeThe sixth chapter based on comparative analysis of previously proposed countermeasures to enhance the competitiveness of the county’s rural credit cooperatives (also to provide some reference to improve the competitiveness of rural credit cooperatives in Sichuan province)Performance of J county’s rural credit cooperative plays the middle position in the system of rural credit cooperative in Sichuan province, so it should be able to represent most of the rural credit cooperatives, but not necessarily the exact circumstances of the Sichuan region of rural credit cooperatives, which hopes further research in the future.This paper has such contributions: 1demonstrated a all-round analysis on competitiveness of rural credit union in county economy2it has rich and real data...