Urumqi Rural Credit Cooperatives System Reform Research

In the past, because the system is not smooth, unclear property rights, inactive mechanism and other factors, Urumqi rural credit cooperatives widespread asset quality is not high, heavy historical burden, service means a single, management foundation is weak, low personnel quality problems, has seriously hampered the healthy development of rural credit cooperatives of Urumqi city. Facing the difficult business situation, to solve these problems, system reform be imperative. Firstly, Rural credit cooperatives, Urumqi city property relations reform, large and medium-sized city, rural areas, the development of commodity economy, the business of rural credit cooperatives has actually become commercialized, and the service object by urban industrial and commercial enterprises and individual industrial and commercial households, advice from a practical point of view, set up rural commercial banks, joint-stock. Second, the reform of rural credit cooperatives in Urumqi City, supervision mechanism, supervision of the external environment to improve the credit cooperatives, credit cooperatives effective supervision is insufficient external reasons are not in place, rely on the supervisory department’s own strength is difficult to eliminate. In the premise of reform of credit cooperatives by the provincial government responsible, need the government to co-ordinate the planning, coordination of various departments to solve. Thirdly, to achieve a multi linkage, information sharing, strengthening supervision and management departments and credit cooperatives internal audit, risk management departments, communication, establish an information sharing mechanism, and the combined action is necessary, saving the cost of supervision, the most effective way to improve the efficiency of supervision. Fourthly, Urumqi City, the rural credit cooperatives reform policy.Credit cooperatives to closely rely on the local party and government, it is only through reform, can we solve the problems left over by history; only through system reform, in order to promote the management and accelerate the effective development. In the clear goal, to be as a guide to Scientific Outlook on Development, to effective development as the goal, taking the structure adjustment as the means of risk control, to a premise, integration of business resources, strengthen management, operation mechanism innovation of ideas for the reform of our bank.