A Research On Financial Innovation Strategy For Rural Credit Union Of A Province

With the diversified development of urban and rural society and economy,the changes of the financial needs continue to increase financial innovation,Rural Credit Union of A province needs to develop more scientific financial innovation strategy,thereby enhancing its financial markets core competitiveness.Financial innovation is an important way to transform the operation mode and enhance the market competition ability of the rural credit cooperatives and other financial institutions of A Province.It is necessary to integrate and innovate the financial resources of the rural credit cooperatives in the whole country,and determine a whole financial innovation strategy of Rural Credit Union of A province.In view of this,this paper studies the current situation and existing problems of financial innovation of Rural Credit Union of A province,and systematically analyzes the external environment and internal environment of financial innovation of Rural Credit Union of A province,SWOT analysis was carried out,and the opportunities,challenges,opportunities and threats faced by financial innovation were pointed out.On this basis,this paper makes a targeted discussion on the orientation and path choice of financial innovation strategy of Rural Credit Union of A province,emphasizing to stick to market-oriented,customer-centered,value-maximizing,risk-controlled and the paper puts forward the financial innovation strategic plan based on institutional innovation,technological innovation and concept innovation,and points out the strategic focus and implementation path of financial innovation.Finally,the author puts forward some suggestions on how to implement the financial innovation strategy in A province rural areas from the perspectives of system,technology,talent and risk prevention.The study finds that,under the current background,Rural Credit Union of A province has the necessity and feasibility of financial innovation,which is an important measure to enhance the overall level of rural credit cooperatives.In the development of financial innovation strategy,the Rural Credit Union of A province should be systematic thinking and innovative thinking,through a variety of innovative ways to create a new mode of operation,which is "market-oriented,customer-centric",which has innovative financial products,services,systems,technology and so on,which has system,technology,talent and risk control,which has practical reference value and guiding significance to guide financial innovation of rural credit cooperatives in our country.