社区银行城区农信社市场定位的战略选择.doc

工商管理硕士（MBA) 学位论文 社区银行：城区农信社市场定位的战略选择 杨峰钱 者 级 a 作 年 学 2005 级 205120280121 刘成玉教授 2007年5月 指导教师 定稿时间 西南财经大学 Abstract The Rural Credit Union was bom at a specific history period, compared with country business banks, it is small in scale、ability of resistance of risk is weak, but it has the superiority of base upon locality、service local middle and little enterprise and town residence .With the development of city economy, towns have become the necessary place of all banks. Three agriculture, the existent basis of the Town Rural Credit Union is becoming complete, service object is changing too . For a long time，because of market definition indistinct、management concept fail behind、property quality bad、professional work variety and service means lag behind ’ in the competition with country business banks, it is obvious in bad place， most prominent phenomenon is that professional work lags behind，market portion goes down .At the end of 1996 , China has performed promise to undertake ’ banks have been completely opened to foreign capital , In April ,2007, foreign-funded banks have been permitted to develop RenMingBi business completely in China，the competition of civil banks become fierce . The Town Rural Credit Union is at the turn ia the course of events of development ’ facing severe reality，how to change with circumstances、exact market definition 、adjust manage strategy in time 、 realizing the continuing development of the Town Rural Credit Union，has becomed the most important topic of the Town Rural Credit Union to solve. This article introduced the main model and development and changing of the foreign rural cooperate finance 、 the development course of China Rural Credit Union，analyzed the present developing situation 、main questions and difficulties of SiChuan Rural Credit Union，clarified the imortance of propeling Town Rural Credit Union to bring forth new ideas to productions、 professional works and mechanisms in order to adapting the course of the development of