四川省农村信用社发展战略研究

发布时间：2018-06-07 18:29

本文选题：农村信用社 + 增长型战略　；参考：《四川师范大学》2012年硕士论文

【摘要】：摘要：四川省农村信用社是构成四川省农村金融体系的基础力量,是四川省农村金融的主力军。目前,四川省农村信用社既面临多重战略机遇,也面临着众多竞争对手的强势竞争以及合规监管、风险监管更加严格的新局面。但是,四川省农村信用社内部还存在着体制机制滞后、风险状况突出、员工队伍整体质量不高和创新能力弱等深层次问题,制约着其的发展和壮大。因此,系统分析四川省农村信用社的现状、存在的问题和面临的环境,制定适应环境变化和市场需求的发展战略,积极实施战略转型,才能积极应对市场竞争,并适应新监管规则的现实要求,以实现四川省农村信用社的发展壮大。本文应用企业战略管理理论和战略分析工具,在全面分析四川省农村信用社外部机遇和威胁、内部优势和劣势的基础上,提出了四川省农村信用社发展的总体战略、竞争战略和职能战略,以及战略实施的保障措施,力求为四川省农村信用社的持续快速健康发展提供经验借鉴和理论支持。本文得出了以下研究结论： 1.通过对四川省农村信用社的现状分析,发现四川省农村信用社存在着发展不平衡、不协调和核心竞争力缺乏的问题,极大制约了其的持续快速健康发展。 2.通过对四川省农村信用社的PSET分析和SWOT分析,得出四川省农村信用社发展的经济、政治、社会和技术环境良好,面临着多重战略机遇叠加的发展机会和市场竞争加剧的发展威胁并存的局面,自身具有市场资源、网点资源、客户资源、品牌资源丰富的优势,也存在着体制机制落后、历史包袱沉重、风险管理能力较弱、员工队伍整体质量不高等劣势。 3.通过对四川省农村信用社的PSET分析和SWOT分析,得出四川省农村信用社应采用增长型战略为总体发展战略,采用集中化战略为竞争战略,以发展和壮大四川省农村信用社的整体实力为根本目标,坚持“服务‘三农’、中小企业、县域经济”的市场定位,将四川农村信用社建设成为产权清晰、治理完善、资本充足、内控严密、管理先进、效益良好,“服务优质化、经营专业化、业务流程化、管理精细化、公司治理现代化”五化一体,“三农”业务与城乡市场并重、外延规模扩张与内涵效益提升并举,省内规模最大、服务最广、经营效益和社会责任俱佳、“三农”最满意的现代金融企业。
[Abstract]:Abstract: Sichuan Rural Credit Cooperative is the basic force of Sichuan rural financial system and the main force of Sichuan rural finance. At present, Sichuan Rural Credit Cooperatives are faced with many strategic opportunities, as well as a new situation of strong competition and compliance supervision from many competitors, and more stringent risk supervision. However, there are still some deep problems in Sichuan Rural Credit Cooperatives, such as lagging system and mechanism, outstanding risk situation, low overall quality of staff and weak innovation ability, which restrict its development and growth. Therefore, only by systematically analyzing the present situation, existing problems and environment of Sichuan Rural Credit Cooperatives, formulating development strategies adapted to environmental changes and market demands, and actively implementing strategic transformation, can we actively respond to market competition. In order to realize the development and growth of Sichuan Rural Credit Cooperatives, this paper applies the enterprise strategic management theory and strategic analysis tools to analyze the external opportunities and threats of Sichuan Rural Credit Cooperatives. On the basis of internal advantages and disadvantages, the paper puts forward the overall strategy, competitive strategy and function strategy of Sichuan Rural Credit Cooperative, and the safeguard measures of its implementation. To provide experience and theoretical support for the sustained, rapid and healthy development of Sichuan Rural Credit Cooperative. This paper draws the following conclusions: 1. By analyzing the present situation of rural credit cooperatives in Sichuan province, it is found that the problems of unbalanced development, uncoordinated development and lack of core competitiveness of rural credit cooperatives in Sichuan province have greatly restricted their sustained, rapid and healthy development. 2. Through the PSET analysis and SWOT analysis of Sichuan Rural Credit Cooperative, it is concluded that the economic, political, social and technical environment of Sichuan Rural Credit Cooperative is good. Facing the situation of multiple strategic opportunities stacking development opportunities and increasing market competition, they have the advantages of abundant market resources, network resources, customer resources and brand resources, and also have the backward system and mechanism. Heavy historical burden, weak risk management ability, low overall quality of staff, etc. 3. 3. Through the PSET analysis and SWOT analysis of Sichuan Rural Credit Cooperatives, it is concluded that Sichuan Rural Credit Cooperatives should adopt the growth strategy as the overall development strategy and the centralization strategy as the competition strategy. In order to develop and strengthen the overall strength of rural credit cooperatives in Sichuan Province as the fundamental goal, adhere to the market orientation of "serving the three rural areas, small and medium-sized enterprises, and county economy", and make the construction of Sichuan rural credit cooperatives clear in property rights and perfect in governance. Adequate capital, strict internal control, advanced management, good efficiency, "service quality, specialization, business process, fine management, modernization of corporate governance", "three rural" business and urban and rural markets, The extension scale expansion and the connotation benefit promotion simultaneously, the province scale is biggest, the service is most extensive, the management benefit and the social responsibility are both good, "three agriculture" the most satisfied modern financial enterprise.
【学位授予单位】：四川师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

【引证文献】