The Research On The Development Strategy Of Xinjiang Rural Credit Union

In recent years,the economic development in xinjiang by the party and the country attaches great importance to,and keep the relevant ministries and commissions of the state will increase support to xinjiang,at the same time,the mainland provinces and cities also began in various forms to participate in the economic development of xinjiang,the xinjiang is facing a rare historical opportunity for development to shifting its growth Structure adjustment and economic characteristics of kinetic energy is converted to the new normal,the xinjiang uygur autonomous region of rural credit cooperatives(hereinafter referred to as:xinjiang rural credit cooperatives)by rural credit cooperatives association of xinjiang uygur autonomous region as a whole,83 county-level rural credit cooperatives to carry out the business,is a major financial strength of the banking industry in xinjiang,bear the higher development request,under the new period is in development opportunitiesThis paper takes xinjiang rural credit cooperative as the research object,through the internal and external environment analysis,obtains the external opportunities and threats faced,the advantages and disadvantages existing in itself.Among them,the main countries of external opportunities pay attention to the economic development and policy support of xinjiang.The state should implement the "One Belt And One Road"strategy and promote the construction of the core area of the silk road economic belt.Agriculture has entered a stage of high investment and high cost development.The upgrading of household consumption will promote the development of consumer finance.The Internet,smart phones and other products bring smart activation of market channels.The supply-side structural reform has provided powerful impetus for xinjiang rural credit cooperative to change its mode,adjust its structure,make up for its shortcomings and prevent risks.Internal advantages include:business network coverage in xinjiang region;Long history and good brand image;More successful experience in agriculture,rural areas and farmers;The overall quality of personnel is high;Risk control system and bad loan management are in place.The overall operation is in good condition.Through analysis tools such as SWOT analysis,directional planning matrix analysis for xinjiang's rural credit cooperatives should choose SO strategy,namely:take full advantage of xinjiang to promote the development opportunity,exert oneself in the rural area coverage of high channel advantages and brand advantages,innovative business ideas,to agriculture,rural areas and farmers service as the core to expand a variety of applications,create a series of three rural service system.Fully respond to One Belt And One Road policy,lay out international business areas and corps business,and create new business areas and customer groups.In response to the demand of consumer finance and loans for urban residents,we should give full play to our capital strength and the large balance of deposits and loans,and expand the urban financial market with the strategy of encircling the city by rural areas.We will continue to improve the level of fine management and risk control,and build a modern commercial bank that enjoys universal benefits.In facing the internal and external environment and formulate the SO strategy,the paper developed a series of security strategic target to implement measures,mainly including unified thought,deepen the understanding of development strategy;To do a good job of publicity and improve the visibility of enterprises;Strengthening the construction of enterprise culture;Comprehensively improve the capacity of corporate governance and firm transformation work;We will effectively promote risk prevention and control.