社区银行：城区农信社市场定位的战略选择

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1、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AbstractTheRuralCreditUnionwasbomataspecifichistoryperiod,comparedwithcountrybusinessbanks,itissmallinscale、abilityofresistanceofriskisweak,butithasthesuperiorityofbaseuponlocality、servicelocalmiddl

2、eandlittleenterpriseandtownresidence.Withthedevelopmentofcityeconomy,townshavebecomethenecessaryplaceofallbanks."Threeagriculture",theexistentbasisoftheTownRuralCreditUnionisbecomingcomplete,serviceobjectischangingtoo.Foralongtime，becauseofmarketdefinitionindistinct、managementconcept

3、failbehind、propertyqualitybad、professionalworkvarietyandservicemeanslagbehind’inthecompetitionwithcountrybusinessbanks,itisobviousinbadplace，mostprominentphenomenonisthatprofessionalworklagsbehind，marketportiongoesdown.Attheendof1996,Chinahasperformedpromisetoundertake’bankshavebeenc

4、ompletelyopenedtoforeigncapital,InApril,2007,foreign-fundedbankshavebeenpermittedtodevelopRenMingBibusinesscompletelyinChina，thecompetitionofcivilbanksbecomefierce.TheTownRuralCreditUnionisattheturniathecourseofeventsofdevelopment’facingseverereality，howtochangewithcircumstances、exac

5、tmarketdefinition、adjustmanagestrategyintime、realizingthecontinuingdevelopmentoftheTownRuralCreditUnion，hasbecomedthemostimportanttopicoftheTownRuralCreditUniontosolve.Thisarticleintroducedthemainmodelanddevelopmentandchangingoftheforeignruralcooperatefinance、thedevelopmentcourseofCh

6、inaRuralCreditUnion，analyzedthepresentdevelopingsituation、mainquestionsanddifficultiesofSiChuanRuralCreditUnion，clarifiedtheimortanceofpropelingTownRuralCreditUniontobringforthnewideastoproductions、professionalworksandmechanismsinordertoadaptingthecourseofthedevelopmentofcityeconomy,

7、objectivlyanalyzedthemainconditionsanddevelopingopportunitiesofTownRuralCreditUnioncurrently.Withthetheoryofmarketdistriction、marketplaceandcompetitionsuperiority，pointingouttheremarkablefunctionsofCommunityBanksatrelaxingfinancingproblemsofmiddle-littleenterprises、strengthenbankscon

8、structions,a