Research On The Development Strategy Of Rural Credit Cooperatives In Dezhou

From scratch,weak to strong gradually grow,Dezhou rural credit cooperatives developing through nearly 60 years,and becoming the mainstay of rural finance.At present,the Dezhou rural credit cooperatives reform of Dezhou commercial banks.After the reforming the system become more perfect,and governance structure is more perfect.What’s more,financial products more comprehensive and profit channels more diverse.But,Dezhou rural credit cooperatives faced with the deposit insurance system,the interest rate market,as well as the people’s Bank of China macro Prudential assessment system,the implementation of the new situation.Dezhou rural credit cooperatives has some deep-seated problems,such as the lag of system and mechanism,the outstanding risk situation,the overall quality of the staff and the weak innovation ability,which restrict the development and growth of the rural credit cooperatives.Therefore,system status,analysis of Dezhou rural credit cooperatives existing problems and environment,develop and adapt to the development of strategic environmental changes and market demand,in order to actively respond to market competition,and meet the practical requirements of the new regulatory rules,in order to achieve the development of the Dezhou rural credit cooperatives.The page used enterprise strategic management theory and strategic analysis tools,based on comprehensive analysis of Dezhou rural credit cooperatives in the external opportunities and threats,internal strengths and weakness,put forward the development strategy of rural credit cooperatives in Dezhou City,as well as the strategy for the implementation of safeguard measures,and strive to provide reference and theoretical support for sustained rapid and healthy development of rural credit in Dezhou city club.This paper makes the following conclusionsBased on the analysis of rural credit cooperatives in Dezhou city and the environmental analysis,economic and political,social and technological development of rural credit cooperatives in Dezhou City,facing the development opportunities threats superposition of multiple strategic opportunities and market competition coexist,the market has its own resources,network resources,customer resources and brand resources the advantage also exists,institutional mechanisms behind the heavy burden of history,Risk management ability is weak,the overall quality of the staff is not high.Through the analysis of the rural credit cooperatives in Dezhou City,the Dezhou rural credit cooperatives should use the opportunity strategy for the overall development strategy.By deepening system reform,improve the proportion of corporate shares,improve human resources management system,the overall strength of the rural credit cooperatives focus on brand building and other security measures to the development and expansion of Dezhou city as the basic goal,while shouldering their responsibilities and obligations as the main force of rural financial market should bear.