農(nóng)村信用合作社競爭能力研究--以xx縣農(nóng)信社為例

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摘要 任何企業(yè)要想在激烈的市場競爭中立于不敗之地并不斷發(fā)展,必須要進一步確立并且發(fā)展自己的競爭能力。xx縣農(nóng)信社作為xx縣農(nóng)村地區(qū)的主要金融機構(gòu)之一,其市場份額的發(fā)展壯大以及本身競爭能力的增強對xx縣整個金融體系的效率體系的提高和更好地為三農(nóng)服務(wù)將發(fā)揮十分重要的作用。但隨著農(nóng)村金融體制改革的進一步深化,xx縣農(nóng)村信用社面臨的競爭壓力加大，堅持合作制還是走商業(yè)化道路，是農(nóng)信社目前所要關(guān)注的焦點[9]。因此,發(fā)現(xiàn)并提升其競爭能力尤顯重要。本文將根據(jù)競爭能力的含義、特征以及所包含的相關(guān)要素，設(shè)計相關(guān)的調(diào)查問卷對農(nóng)村信用社的內(nèi)外部環(huán)境進行調(diào)查，從而了解xx縣農(nóng)村信用社的發(fā)展現(xiàn)狀以及業(yè)務(wù)狀況,根據(jù)調(diào)查結(jié)果，運用SWOT分析方法對xx縣農(nóng)村信用社的競爭能力進行識別、分析,并發(fā)現(xiàn)xx縣農(nóng)信社競爭能力提升所存在的困境,在此基礎(chǔ)上提出農(nóng)信社今后的市場定位和相應(yīng)的發(fā)展戰(zhàn)略。

關(guān)鍵詞 xx縣農(nóng)信社 競爭能力 SWOT分析 困境與對策


Abstract Enterprise which is in an impregnable position in the fierce market competition and in the development, need further to establish and develop their ability to compete. GuanNan rural credit cooperatives as one of the major financial institutions in rural areas, enhancing its development and competitiveness of GuanNan throughout the financial system more efficient and better service for agriculture, rural areas and farmers will play a very important role. But with the further deepening of the rural financial system reform, the competitive pressures facing the GuanNan rural credit cooperatives,Adhere to the cooperative system or commercial road, is to be the focus of attention at present, rural credit cooperatives, therefore, to find and raise its competition ability is all the more important.In this paper, according to the meaning of the competitiveness, characteristics and relative factors of contained, investigate the internal and external environment of rural credit cooperatives, thereby understand GuanNan development present situation of rural credit cooperatives, according to the survey, SWOT analysis method of rural credit cooperatives of competition ability for identification and analysis, and found that our county competition ability to promote the existing predicament of rural credit cooperatives, rural credit cooperative in the future based on this, advances the market orientation and the corresponding development strategy.
Key Words GuanNan rural credit cooperatives competitive ability SWOT analysis Difficulties and countermeasures

目錄
第一章 緒論 1
1.1研究背景、目的和意義 1
1.1.1研究背景 1
1.1.2研究目的與意義 1
1.2研究內(nèi)容 2
1.3研究方法 2
第二章 理論基礎(chǔ) 3
2.1競爭能力的含義與特征 3
2.2競爭能力的分析方法-SWOT分析基本原理 3
2.3農(nóng)村信用社及其競爭能力 3
2.3.1農(nóng)村信用合作社的內(nèi)涵與特征 3
2.3.2農(nóng)村信用社競爭能力的構(gòu)成要素 3
2.3.3農(nóng)村信用社競爭能力的重要性 4
第三章 xx縣農(nóng)信社競爭能力分析 4
3.1xx縣農(nóng)村信用社發(fā)展狀況簡介 4
3.2xx縣農(nóng)信社調(diào)查問卷設(shè)計 5
3.3農(nóng)信社競爭能力SWOT分析法 6
3.3.1優(yōu)勢分析 6
3.3.2劣勢分析 7
3.3.3機會分析 10
3.3.4 威脅分析 11
第四章 xx縣農(nóng)信社競爭能力提升遇到的障礙 12
4.1法人治理結(jié)構(gòu)不完善 12
4.2市場定位不明確 13
4.3業(yè)務(wù)和服務(wù)缺乏創(chuàng)新 13
4.4人才素質(zhì)偏低以及人才資源匱乏 14
4.5資產(chǎn)質(zhì)量較低，經(jīng)營成本較高 14
第五章 xx縣農(nóng)村信用社競爭能力提升的對策 15
5.1完善產(chǎn)權(quán)制度 15
5.2明確市場地位戰(zhàn)略，培育忠誠客戶群 15
5.3增強金融服務(wù)創(chuàng)新 16
5.4優(yōu)化人力資源配置，堅持以人為本 17
5.5加強企業(yè)文化建設(shè)，促進企業(yè)軟實力的形成 17
5.6強化風(fēng)險防范建設(shè)，保障競爭能力的有效發(fā)揮 17
結(jié)束語 18
致謝 19
參考文獻 20
附錄A 21