Research On The Development Of Xinjiang Tianshan Rural Commercial Bank

With the rapid development of world economic integration, accelerate the competition in the market, the need for global public continues to increase, the original bank business has been unable to meet the needs of the public, people bring forward higher, better financial service needs of commercial banks, increase service varieties, given its high efficiency, convenient product function, has turned to the financial industry competing trends and new directions. Rural development strategy of commercial banks in each development stage, both from the property right, corporate governance and competition object and the predecessor of the rural credit cooperatives is completely different, as the local legal person bank institutions with the continuous opening of financial market, how to deal with the region increasingly fierce competition in the financial industry, converting system construction and effective mechanism, how to overcome their own the weak, to seek survival and development in the competition, is represent the general trend, also become the rural commercial banks urgently need to explore and solve problems.In the face of domestic and foreign commercial banks to carry out the strategic transformation, just from the restructuring of rural credit cooperatives near the Tianshan Mountains in Xinjiang rural commercial bank, in the system, human resources, technology backwardness situation, how to develop and grow in the fierce competition, is worth discussing.Therefore, based on the analysis of the current research and analysis of the domestic and foreign related theory, firstly discusses the current situation of the development of the Tianshan Mountains in Xinjiang rural commercial bank, carry on the thorough analysis to the development of the rural commercial bank, the business structure, financial revenue and expenditure, agriculture related business, financial institutions, exchanges of payments of non-performing loans, risk assessment etc..Secondly, the existence and development of Tianshan Mountains of Xinjiang rural commercial bank and the problems in the analysis the cause of. Discovery of Tianshan Mountains in Xinjiang rural commercial bank problems of rural credit cooperatives and strong colors, assets scale is small and the loan risk is big, network distribution is too concentrated, irrational income structure, single business types, and the causes of these problems are analyzed, mainly because of the traditional thought of Tianshan Mountains of Xinjiang rural Commercial Bank extensive management system, the innovation ability of the middle business is weak, profit goal and policy goal of mutual contradiction, personnel quality is low, the service object of vulnerable due to.Finally, puts forward some countermeasures and suggestions to promote the development of Xinjiang Rural Commercial Bank of the Tianshan mountains. That is a clear market positioning, expanding credit support to key industries and areas, increase the strong agricultural Huinong kulak credit support, ensure the effective demand, farmers breeding loan innovation of small micro enterprise financial services, strengthen people’s livelihood fields and weak links of credit support, actively follow up the construction, rural infrastructure and new towns to strengthen risk prevention and control measures, strengthen the business marketing and comprehensive service, strengthen the organization and discipline, strengthen the management of special assets ten countermeasures.