In light of the development trend of the financial services industry, please talk about the business

The Impact of the Development Trend of the Financial Industry on Rural Credit Cooperatives At present, the development of China's financial industry has shown the following obvious trends: First, technological innovation factors play a leading role in the competition among financial institutions. In recent years, domestic banks have invested heavily in building computer network systems to achieve a large concentration of comprehensive business data and handle various financial services through a unified electronic platform. Second, the traditional single over-the-counter banking outlets will develop into comprehensive outlets, unmanned self-service banks, and online banking; Third, bank management services will shift from extensive and popular to rational, personalized and popular at the same time.

The specific service mode will shift from focusing on banking products to focusing on customers. from a single accounting model to a multi-dimensional accounting model; Fourth, modern financial services will gradually penetrate from urban to rural areas.

In order to achieve business innovation, rural credit cooperatives must first update their concepts and strengthen their sense of innovation.

Second, it is necessary to continue to deepen reform and straighten out and innovate the management system. Therefore, the current rural credit cooperatives should focus on rationalizing and innovating the management system, reduce the management level, and establish a municipal and county association as the basic legal person, the provincial and first-class cooperative financial management institutions as the core of management, and the vertical organization and management system up and down, so as to facilitate the integration of resources and the implementation of the overall plan for business innovation.

Clause. Third, it is necessary to further innovate service means and improve core competitiveness. At present, the competition in the domestic banking industry is becoming increasingly fierce, and its focus is mainly reflected in the core competitiveness of scientific and technological service means.

Rural credit cooperatives are at a disadvantage in this regard. Judging from the actual situation of China's rural credit cooperatives, it is a wise choice to conform to the development trend of large-scale concentration of banking business data and to establish a provincial-centered computer information network.

Clause. Fourth, it is necessary to adapt measures to local conditions, step by step, and steadily promote business innovation. In order to innovate their business, rural credit cooperatives must do a good job in positioning themselves in the market, adapt measures to local conditions, and adopt different service methods for different target customer groups.

Branches located in central cities and economically developed areas should operate in accordance with the model of full-featured banks, and actively carry out all-round innovations in RMB, foreign currency, intermediary business, etc., so as to enhance market competitiveness; The outlets located in the county-level urban customs and urban-rural junction can carry out special services, such as paying wages for civil servants, enterprises and institutions within their jurisdiction, collecting and paying water, electricity and tuition fees for residents and schools, and small loans for civil servants; Township and town outlets located in economically underdeveloped areas should complete computer networking, realize the basic functions of depositing and withdrawing money, and actively carry out some personalized and innovative services. For example, rural medical reform, other insurance, bank cards, financial consulting, information, credit, tracking services for rural enterprises, rural economic organizations and rural households.

Clause. Fifth, do a good job in the introduction of talents for key positions. Talents in key positions such as science and technology, foreign exchange, and special account managers can be solved through open recruitment to the public, transfer from other units, and recruitment of fresh college graduates; to existing incumbents.

First, the development of network is a major trend of financial services, so rural cooperative financial institutions should accelerate the development of online banking services;

2. Comprehensive financial services, providing packaged financial services for VIP customers.

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Summary. Dear, I'm honored to have your question The information that the teacher found for you here is: Overview and Significance of Rural Financial Innovation and Development Overview and Significance of Rural Financial Innovation and Development The Overview and Significance of Rural Financial Innovation and Development is:

The most lacking thing is funds! Therefore, the development of rural finance is of great significance. At present, the country is prosperous and strong, the economy is thriving, and the economic information is also abundant.

A person or an organization can go to the online society to collect and understand what they want to develop, but development needs funds. Therefore, capital is the engine of rural development. It is the foundation of rural development.

In addition, finance is the product of modern industrial development and the development of the market economy to a certain stage, and its application to rural areas cannot be copied and copied. Therefore, there is an urgent need to study financial products and services that target rural areas.

Dear, I'm honored to have your question The information that the teacher found for you here is: Overview and Significance of Rural Financial Stool Chain Innovation and Development Overview and Significance of Rural Financial Innovation and Development is: The most lacking is capital!

Therefore, the development of rural finance is of great significance. At present, the country is prosperous and strong, the economy is thriving, and the economic information is also abundant. If a person or an organization wants to develop, they can go to the online society to collect and understand, but development needs funds.

Therefore, capital is the engine of rural development. It is the foundation of rural development. In addition, finance is the product of modern industrial development and the development of the market economy to a certain stage, and its rough application to the rural areas cannot be copied and copied.

Therefore, there is an urgent need to study financial products and services that target rural areas.

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In the context of the deepening of global economic development, the current social and economic development environment makes China's economic restructuring and economic development mode transformation reap major opportunities at the same time, it will also face great pressure, China's economic development in the new era of socialist development with characteristics, pay more attention to people-oriented and quality priority, and accelerate the transformation of economic development mode and promote the development of modern rural finance. 1. Brief overview and analysis of rural financial development In recent years, the state has paid more and more attention to the "three rural" issues, with the rapid development and continuous deepening of the rural revitalization strategy, the optimization of rural resource allocation and the lifting of rural capital restrictions are gradually implemented, and the development of rural finance is the key element to effectively solve the "three rural" problems in China, which not only represents the country's attention to the construction and reform of the modern rural financial system, but also reflects the arduousness and complexity of China's rural financial development. One of the major problems faced by China's rural financial development for a long time is that there is a large difference between urban and rural economic development, and the inequality of rural financial development in different regions will deal a serious blow to the stable improvement of the economic level of poor rural areas, thereby further expanding the regionalization gap of rural financial development.

Therefore, with the support of the current social and economic development situation and the national "three rural" policies, the rural financial system should realize the transformation of economic development mode, continue to optimize the agricultural economic structure and explore new development paths, and build a harmonious agricultural financial development environment to promote the sustainable development of agricultural finance in China. Second, the importance of the transformation of the mode of economic development First of all, the important goal of China's economic development is to meet the living needs of the broad masses of the people and improve people's material living standards, but some environmental pollution problems brought about by rapid economic growth have caused a great contradiction between the quality of people's living environment and social and economic development, so timely transformation of the economic development mode is more conducive to meeting the actual living needs of the people. Second, with the deepening of the globalized economy, the impact of changes in the international economic situation on China's economic development is becoming more and more obvious, and small crises in the international financial market may have a huge impact on China's economic structure.

Finally, the transformation of the mode of economic development has a good role in promoting China's current economic development situation, which is not only conducive to improving the social and economic development system and resolving many problems and contradictions caused by China's rapid economic development, but also follows the basic requirements of the scientific outlook on development, adheres to sustainable development, and can promote China's economy to enter a sound and rapid good development track. In general, the development of rural finance can not only effectively promote the vigorous improvement of China's rural economic level and narrow the gap between urban and rural development, but also help to adapt to the adjustment and change of the current social and economic structure, realize the coordinated development of rural economy and build a new development path of rural finance, so as to help the good development of China's modern agriculture and maintain social harmony and stability.

China's rural financial market from the founding of the People's Republic of China to the 90s of the last century, the major banks at the county level and below the branch outlets, the 90s of the last century, the major banks to carry out commercial joint-stock reform have withdrawn from the rural financial market, resulting in the emergence of many rural financial services blank areas. At this time, rural credit cooperatives without urban bases could only "stay behind" in the countryside and were forced to become the main force and monopolist of the rural financial market. According to the principles of economics, monopoly means inefficiency and improper allocation of resources.

It can be said that since the 90s, the rural financial reform has been developing slowly and ineffectively, and in addition to the imperfect legal system, another major reason is that the monopolist of rural finance lacks the motivation for reform. The deposits of rural financial institutions are increasing, but in fact, the loans obtained by peasant households from rural financial institutions represented by rural credit cooperatives are still less than 1 3 of their deposits to rural credit cooperatives, and this situation has continued to this day. [3] At the same time, there was a serious trend of non-agricultural conversion of rural financial institutions, and a large outflow of rural funds continued.

Taking Shandong Rural Credit Cooperatives as an example, the net outflow of funds from 2009 to 2011 reached 100 million yuan, 41.3 billion yuan and 100 million yuan respectively. All this shows that the reform and development of rural financial institutions represented by rural credit cooperatives are not enough to serve the three rural areas. More than 80% of the loan funds are invested in rural households (rural small and micro enterprises), which are growing from a spark in the rural financial market, which is bound to have an impact on the original rural financial institutions (especially conducive to improving the degree of competition in the rural financial market).

In the face of the rapid development of new rural financial institutions, the existing rural financial institutions should be prepared for danger in times of peace and turn the actual and potential threats and pressures they face into a driving force for deepening reform and development internally.

In view of the impact of the current development of new rural financial institutions, the author believes that its development has brought the following thoughts to the original rural financial institutions represented by rural credit cooperatives: (1) it is necessary to actively deepen the reform, improve the internal governance mechanism, improve the quality of employees, and improve the level of financial services; (2) We must always keep in mind that our financial position is the rural financial market, and the deposits should be "taken from the rural areas and used in the rural areas", and we should no longer be the pumping machine for the outflow of rural funds, but should be the booster for the development of the rural economy and the promotion of the construction of the new countryside; (3) Put yourself on the same starting line as the new rural financial institutions to serve the "three rural" areas, and regard them as competitors with equal status, otherwise they may be robbed of a large number of depositors by the new rural financial institutions in the future, or even replaced by them.

How do rural financial institutions respond to changes in the competitive environment?

1. Re-understand the financial needs of small and micro entities at the county level, and change the way of simply promoting loans to rural households in the past.

Rural households' loan promotion methods, such as village credit, are indeed more effective ways to obtain rural financial services. However, in addition to the administrative data formed by information integration, most of the other information obtained by financial institutions in the process cannot be directly transformed into the decisive factor of credit demand mining and loan approval. In addition, credit assessment can only meet basic credit needs, and the improvement of the actual credit rate depends on the work after credit assessment.

In fact, with the transformation of county-level industries and the increase of population mobility, the industries engaged in by rural households and their financial needs have shown a trend of diversification, and the basic promotion of rural household loans has increasingly changed to the way of moving closer to banks, townships and rural households. In order to truly provide effective financial services, it is necessary to keep up with the development needs of potential customers, provide as convenient and sufficient financial support as possible under the premise of controllable risks, and truly realize differentiated services for small and micro entities in the county.

Second, pay attention to the quality and efficiency of basic services such as deposits, payments, and settlements other than loans.

When it comes to rural financial services, people tend to care about loan services. But in the actual business process, various businesses are derived from each other. Generally speaking, the number of bank accounts often used by small and micro entities is not too large, especially small and micro enterprises in the field of industrial circulation.

The convenience of payment and settlement services determines the frequency of account use, which indirectly affects customer stickiness. In recent years, it can be seen that some local corporate banks have begun to launch an integrated service model of loans, settlements and wealth management for ordinary accounts. The relevant person in charge of the institution told reporters that through further analysis and combing of this type of account information, banks may also find new financial service needs in their industries, which are more conducive to serving small and micro groups.

3. Closely connect with towns and communities, and put demand mining in the front.

The village credit evaluation work is only a preliminary docking with the grassroots level. Deeply involved in the governance of local communities. With the sinking of business, many large banks have reached cooperation with provinces and cities** and won some stock businesses; Rural financial institutions can make use of their own resource advantages in the county to further strengthen communication and cooperation with the grassroots, grasp the industrial development direction of rural areas in a timely manner, identify potential risks, and do a good job in mining the demand for financial services in advance, so as to serve more long-tail markets.

What are the current rural financial institutions?

1. Financial institutions.

1.Abc.

2.Rural Cooperative Bank.

3.Agricultural Development Bank of China.

4.Postal Savings Bank of China.

5.Rural Commercial Bank.

Second, it is a non-bank institution.

1.Mutual aid associations.

2.Microfinance companies.

3.Asset management companies.