The Study On Enhancing The Core Competitiveness Of Yanchi Rural Credit Cooperatives

2015 October 24, the people’s Bank of China open the ceiling on deposit interest rates, the interest rate merchandise of our country basically completed, market-oriented reform of interest rates on bank brought opportunities but it also brings a lot of challenges, and rural credit cooperatives is mainly rely on the spread of profit. Therefore, the interest rate market of the impact of credit cooperatives more intense. Credit risk will be further increased, the moral risk is increased further, and the rural credit cooperatives must of the interest rate market to the correct response. In the face of interest rate merchandise brings opportunities and challenges, rural credit cooperatives to further deepen the reform, and change the management mechanism, enhance the core competitiveness, improve the ability of reining the market economy under the conditions of competition in the financial sector.This article in reference on the basis of research results of domestic and international relevant theory, combining the Yanchi County Rural Credit Cooperative Union (hereinafter referred to as the Yanchi Association) main business development situation. Using literature research, normative analysis law and law of investigation and analysis, a comprehensive analysis of Yanchi County Rural Credit Cooperative Union main business development, and the problem carries on the thorough analysis, and comparative analysis with other regional commercial bank’s main business development situation, on the basis of this, put forward suggestion to enhance the core competitiveness.The conclusion of this paper is:Yanchi union within the region and other non bank financial institutions compared, has produced a their own core competitiveness, mainly in the outlets, customer coverage, decision speed and other advantages, but there are also some problems, such as governance structure is not perfect, the channel barrier, low quality of personnel, business products less disadvantages. Finally the author puts forward improvement suggestions from the following aspects: one is to enhance the level of profitability, the implementation of differential pricing; the second is to expand the market share, the development of electronic banking; the third is product innovation business, the introduction of new business products; the fourth is to strengthen human resource management and improve the professional level of employees; the fifth is clearly support a small direction, seeking the support of the policy; the six is to perfect governance structure, accelerate the system reform。...