Research On The Development Problems And Countermeasures Of Kuitun National Village Banks

Kuitun National Village bank was formally established in Kuitun in March 28,2013.It has been established for more than five years.Kuitun is located in the Seventh Division of the Xinjiang production and construction corps,Kuitun is the core area of the "golden triangle" in Xinjiang,the market economy of Kuitun has developed rapidly and steadily.meanwhile,the emergence of Kuitun National Village bank has solved the problems of inadequate rural financial services in the area of the Kuitun area,and has broken the financial service system of rural financial institutions with the main body of rural credit cooperatives and agricultural.Since the establishment of the Kuitun National Village bank,it has actively carried out the spirit of the credit work conference,followed the development mentality of the Seventh Division of the the Xinjiang production and construction corps,adhered to the spirit of striving,persisted in the market positioning and business philosophy of "serving the local,developing agriculture and serving the small and micro enterprises",constantly expanding the market,seizing the opportunity,insisting on the business of the Kuitun area,realizing the sustained and healthy development of our financial industry,and making full use of the central role of finance in the local economic development.However,there are 8 financial institutions in the jurisdiction of Kuitun,which are highly competitive and complicated economic environment.Moreover,after all,the Kuitun National Village bank is a new financial institution,so it has exposed some problems in the process of development.In view of the importance of the bank to the local economy,especially the economic construction of the seventh division of the corps,the current situation,problems in development and development countermeasures have become the focus of research in various sectors of the society.This paper makes a comprehensive analysis on the operating environment,market positioning,development history,composition structure,business structure and operation status of Kuitun National Village bank,and finds out the prominent problems in the development of the bank in Kuitun town.Including: imperfect corporate governance structure,lack of management autonomy;Less assets,less social credibility;Unreasonable personnel structure and low service level;Weak internal control restriction and lack of risk prevention ability;The construction of business system lags behind and the competitiveness is limited.Rural financial supervision is insufficient and policy support is lower.And based on the relevant problem description,the specific strategy is proposed,Including: perfecting the legal person structure,realizing the independent management mode;expand the funding sources,enhance the social recognition;Optimize personnel configuration,improve service level and other countermeasures.