The Development Strategy Research On Zhenhai Rural Credit Cooperation

The rural credit cooperatives of China were founded in the early years of the Republic. In the rural financial system in China’s constitution, the rural credit cooperative financial occupied a crucial role, on China’s rural economic development played an important role in financial support. At present, in the face of China’s current rural financial supply and demand is contradictory and outstanding, service system is not perfect, system mechanism is not perfect, mechanism function imperfectly, infrastructure facilities and supporting policies are not in place and so on, rural credit cooperatives began to seek more in line with the requirements of the development of agriculture, can provide convenient, efficient change way. Since 2003, along with our country financial system reform of rural credit cooperatives, around a variety of property right to choose a new round of reform was a curtain.Zhen Hai Rural Credit Cooperatives Association and local credit agency, in 2007 December, according to the unified legal system reform requirements, and founded the currently has an independent legal personality of the area of Ningbo City Association of rural credit cooperation, achieve a level of legal person property right pattern, straighten out the management system of rural credit cooperatives, formed new organization structure. But with the economic development demand unceasing change, rural credit cooperatives Management exist some problems, such as unclear property right, management, historical burden is relatively heavy, asset quality is low, agriculture has become increasingly prominent function dissimilation. These problems have become the obstacle on the development road, be badly in need of pursuing a new source, solutions to improve.Taking the reform of rural credit cooperatives development strategy theory and China’s rural credit cooperatives reform development present situation as a starting point, in a comprehensive theoretical research and a comprehensive understanding of the reform of rural credit cooperatives development at home and abroad on the basis of the status quo, Zhenhai District in Ningbo Rural Credit Cooperation Agency as the research object, through to their region environmental characteristics, the development of the industry status quo and their management of detailed analysis, point out its stage in the management mode and management mode on the inadequacy of existence, combined with the actual situation, proposed the strategy, that is conducting shareholding reform to transform into commercial bank.On the basis of demonstrating the necessity and feasibility of shareholding the reform, the author gives the detailed measures and steps. First of all, make the reform strategy clear in corporate governance, market positioning, risk management and corporate culture. Secondly, give the specific measures, such as improve the corporate governance by Optimizing the equity structure, establishing stable capital supplement mechanism and reconstruct the organization, promote the internal management by improving the risk management, process bank reform, accounting and audit supervision, perfect performance allocation mechanism and strengthen talent team to better human resource, persist in improving corporate culture and financial environment,etc. Above all, the aim at supplying capital for villages, agriculture farmers and medium-sized and small enterprises will be always.