Analysis on how to improve the core competitiveness of rural credit cooperatives

At present, Agricultural Bank of China "re-levies" county finance, policy banks outflank, Postal Bank "swords" rural market, new rural financial institutions are in the ascendant, and rural financial markets are blooming everywhere. As the main force of rural finance, how to win a place in the market economy of survival of the fittest, remain invincible in the fierce market competition and better serve the local economic development has become an urgent problem to be solved. To this end, the author puts forward the following superficial views. 1. Establish enterprise concept and industry brand awareness. Enterprise concept is a group spirit and code of conduct that represents enterprise belief, stimulates enterprise vitality and promotes enterprise production and operation, which is actively advocated by entrepreneurs and consciously practiced by all employees in the process of continuous operation and long-term development of enterprises. Good corporate philosophy is the engine and propeller of corporate reform, covering corporate values and codes of conduct. Cohesing employees with ideals is like a horn, so that they can establish a strong sense of teamwork and strive for common goals. Established a clear, positive and deep-rooted corporate philosophy. It can guide the behavior orientation and judgment standard of enterprises and employees, thus forming a joint management force and achieving management success. IBM, Coca-Cola, Toyota, etc. In the United States, they have formed their own characteristic enterprise ideas, which have made enterprises achieve great success and vivid cases. Rural credit cooperatives should include the tolerance of credit culture for decades, the collection of * * * that transcends regional differences, the cultural reference that represents the development of modern banks, and the strategic positioning of rural credit cooperatives to achieve sustainable development. Only when the rural credit cooperatives have their own distinctive enterprise concept characteristics and generate strong spiritual motivation can they promote the continuous development and prosperity of the credit cooperatives. Second, the strategy of creating and developing the blue ocean and realizing sustainable development is a popular enterprise management concept in recent years. The "Red Sea" represents the known market space full of competitive pressure, while the "Blue Ocean" represents the unknown field and the market space yet to be developed. From the perspective of innovation, the "Red Sea" is a habitual path dependence, following an inherent mindset; "Blue Ocean" is the ability to take positive actions, innovate tricks and discover extraordinary strategies. In the fierce market competition, rural credit cooperatives must emancipate their minds, break away from convention, be brave in exploration and innovation, and create their own "blue ocean" for development, which is not only a concrete embodiment of implementing Scientific Outlook on Development, but also a realistic choice to change the mode and adjust the structure and promote the sound and rapid development of various businesses. The first is to innovate financial products that serve agriculture, rural areas and farmers. In view of the outstanding problems existing in rural financial products and services such as single variety of rural loans, complicated loan procedures and lack of intermediary business products. Rural credit cooperatives should suit the remedy to the case, focus on solving problems such as poor thinking, inflexible means and few measures, and work hard on active innovation and key breakthroughs. We should always take development as the top priority, keep up with the trend of economic development and actively seek development opportunities. We should conscientiously grasp the economic and financial policies and industrial orientation, grasp the development trend of rural economy, take the credit project and the project of enriching the people by 100 million yuan as carriers, vigorously support urban-rural integration and the construction of new countryside, and support rural youth, women's entrepreneurship and farmers' going out to work. To strengthen product promotion, we should not only promote mature urban financial products such as bank cards, personal wealth management and electronic banking to rural areas, but also actively develop targeted and applicable rural financial products to achieve breakthroughs in business growth mode, rural payment service environment construction, international business, wealth management business, agency business and product development. The second is to innovate the loan method of serving agriculture, countryside and farmers. Actively promote small and medium-sized enterprise alliance, the same credit subject, third-party supervision of chattel pledge, accounts receivable pledge, warehouse receipt pledge, forest right mortgage loan and other businesses, focus on building new rural communities, improve mortgage, term and interest rate management, increase the expansion of consumer loans, further enhance the service brand of rural credit cooperatives, and constantly cultivate new business growth points. Third, the implementation of network reengineering to improve the efficiency of supporting agriculture services. After years of development and evolution, rural credit cooperatives have gained a lot of valuable experience, but at the same time, they have also precipitated problems that are difficult to overcome in the short term, which has seriously affected the efficiency improvement. In order to cope with the squeeze of new and old financial institutions such as Agricultural Bank of China, Postal Savings Bank, Laishang Bank and village banks, carve up the county market and get rid of the historical burden as soon as possible, rural credit cooperatives must completely "break the ice" and implement the transformation of "zero business" outlets. The first is to seize the "golden wharf". Choose a superior geographical location such as large passenger flow and concentrated business, transform and enhance the external visual image, start a new stove and set up a new institution from scratch. The second is to build a "trump card" business organization. Adhere to the "four highs" standards of high starting point construction, high standard selection, high-level service and high-level planning, choose modern design concepts, recruit talents and gather elites for the whole jurisdiction, formulate and improve a series of evaluation measures such as service standards, behavioral norms and work efficiency from a high starting point, and build zero-business outlets into "ace" business institutions that can compete with commercial banks. Third, separate kitchens for eating. In employee management, enterprise operation, salary distribution, etc. , the implementation of "differential management, dining in different places", and effectively achieve "policy tilt, bold authorization, scientific assessment, appropriate incentives." Fourth, strengthen team building and implement talent training plan. Whether an enterprise is competitive or not depends largely on the quality of people. The competition between products and services is actually the competition of human resources. The first is to establish a people-oriented concept. We should respect, understand and care about people, take various measures to fully mobilize the enthusiasm of employees, and give full play to, guide and protect the enthusiasm of employees. The second is to train specialized personnel. We should use the ideas, new knowledge and new technology of modern financial enterprises to improve the professional ability of employees and the management level of rural finance, and cultivate a group of high-quality management, marketing and new business talents to adapt to market competition. The third is to strengthen the construction of cadres. When making correct decisions, cadres are the key! It is necessary to cultivate a cadre team with modern enterprise development concept, advanced management experience and leadership ability, and with pioneering and innovative ability, so that it can truly become an expert in credit management, risk prevention and control, scientific and technological innovation, capital operation, corporate culture construction, etc., and always maintain the fighting capacity to promote the scientific development of enterprises and play the role of "vanguard". The fourth is to innovate the employment mechanism. It is necessary to change "Bo Le Xiang Ma" into "horse selection in the field", vigorously promote open selection and two-way selection, implement the optimal combination of all employees, effectively establish a dynamic management mechanism that employees can enter and leave, and cadres can be promoted and demoted, enhance the sense of responsibility and hardship of all employees, improve the cohesion and combat effectiveness of the team, and truly change "I want to do" into "I want to do". The fifth is to increase the reserve force reserve. According to the requirements of youth, knowledge and specialization, we should establish a reserve talent pool, realize the survival of the fittest through organizational training, practical training and dynamic management, and provide "living water" for strengthening the construction of cadres. Sixth, it is necessary to establish a system of labor, employment and wages that is compatible with the market employment mechanism, improve the performance evaluation system, and promote the emergence of talents and the emergence of work vitality through reform. V. Perfecting corporate governance and perfecting the management mode of checks and balances Since rural credit cooperatives are self-operated and self-financing enterprises, they should establish a modern enterprise management mechanism. First, it is necessary to establish clear property rights relations, clarify specific property rights rules, and solve the problem of "who invests, who manages, and who bears risks". Second, improve the concentration of equity, introduce qualified strategic investors, introduce advanced governance structure and improve the internal management system. Third, it is necessary to establish flexible and efficient business operation mechanisms, such as marketing and business development mechanisms, credit business responsibility operation mechanisms, and non-performing loan responsibility collection mechanisms. The fourth is to establish a scientific and reasonable incentive mechanism for senior executives. For the senior managers of credit cooperatives, it is necessary to establish a scientific comprehensive assessment method for business operation, and reward those who have outstanding assessment results in order to widen the income gap. At the same time, strengthen the weak ties, improve the corporate governance structure, improve the "three meetings" system, and establish an operational mechanism that checks and balances decision-making, implementation and supervision, and combines incentives and constraints. It can be considered to form an accountability mechanism through supervisor's inquiry, recall suggestion, senior management's credit record and legal responsibility investigation. Executives with outstanding business performance should be reused in time, put in more important positions, give play to the management effect of capable people, and release their intelligence to the maximum extent.