广西农村信用社理财业务的发展研究-工商管理专业论文.docxVIP

Research Research on the Deve I opment of Guangx i Rura I Cred i t Cooperat i ves’ f i nanc i ng bus i ness ABSTRACT At present，”customer—centric”has become the main marketing concept of Chinese commercial banks ．In order to improve their competitiVeness consolidate its customer loyalty，personal finance business has become a main means of commercial banks for its development．It also becomes useful tool for commercial banks to increase income after the interest rate marketization has been full implemented，and become a magic weapon of commercial banks to strengthen their competition powerful．With the personal financial management business gradually on the right track，especially in developed countries， personal finance business has become more and more mature，Chinese commercial banks are also profoundly aware of the importance of developing personal financial business to the development of the bank industry．With the Surging tide of the times，it is imperative for rural credit cooperatives to develop personal finance businesS． Compared with other domestic commercial banks，the business development of Rural Credit Cooperatives is in the the backward position．The limited product type，less optional and high credit risk and other factors have been restricting itS development．Especially，more problems will be gradually highlights when develop the frontier personal financing business．Guangxi Rural Credit Cooperatives must solve these problems if it wants to develop personal financing business．This paper describes and compares the current development of financing business between domestic and foreign commercial banks，analysis the feasibility and necessity of developing personal financing business for Guangxi Rural Credit Cooperatives，and focus on researching the current development situation and problems of the personal financing business，and puts forward the corresponding counterⅢeasures．Designed to promote Guangxi Rural Credit Cooperatives to OCcupy the rural financial m