Research On The Development Strategy Of The Personal Financial Management Business Of Fujian Rural Credit Cooperatives

In recent years,the rapid development of China's economy,and the steady growth of GDP maintained a healthy development trend,coupled with the implementation of the new rural construction strategy and the implementation of support and benefit,stable agricultural policy in place,the rural economy showed a rapid development momentum,to achieve the sustained increase of farmers.The rapid growth of savings deposits is a potential resource for personal finance.With the development of economy,the income of rural residents has increased,which has brought about the need for more capital to maintain and increase the value,thus laying an important material foundation for the development of rural credit cooperatives in Fujian province.According to the 2016 Fujian provincial government work report statistics,the province's rural residents per capita disposable income of 14999 yuan,an increase of 8.7%,compared with 2006 data for over 3 times,so you can see the rural financial market has great potential for development.Compared to the fiery urban financial market,rural financial market can be said to be almost blank.More money in the hands of the farmers,the money begets money is very interested,but suffer from financial products do not understand,there is no doorway.However,the illegal financial acts such as usury,black color and soon have disrupted the financial order in rural areas.Therefore,farmers are eager to play a guiding role in the financial management of rural credit cooperatives and other formal financial institutions.The rural credit cooperatives has become almost the only formal financial organization in rural financial market,so how to guide the needs of the new economic environment of the rural financial management,is a practical significance for the financial business is in the initial stage of the development of rural credit cooperatives in Fujian province.The results of this paper can be used to improve the personal financial services of rural credit cooperatives in.Fujian Province,the new trend of development of the financial needs of rural residents,not only to consolidate the rural financial position,expand customer resources,innovation and new business varieties,so as to enhance the core competitiveness of rural credit cooperatives in Fujian Province,to better promote the socialist the new rural construction.Firstly,this paper introduces the theory of personal financial services.This paper mainly expounds the concept of rural credit cooperatives and personal financial management,as well as the development process of personal financial services,as well as some of the main financial management theory and SWOT analysis.And then introduces the development situation of rural credit cooperatives in Fujian province in recent years,and then use the SWOT analysis tool to analyze the rural credit cooperatives in Fujian province the development of the banking business will face the opportunities and challenges,deeply analyzes its existing advantages and disadvantages.Finally,based on the analysis of the results of the analysis of the corresponding countermeasures.Hope that through the research for rural credit cooperatives in Fujian province to realize the innovation of service variety,expand customer resources,and enhance the core competitiveness and lay a solid foundation,not only provides a new business growth point for itself,also provide a new direction for the development of financial services of small and medium-sized rural financial institutions.