福建省农村信用社个人理财业务发展探析

Development of the Personal Financial Services of Rural Credit Cooperatives in Fujian Province

福建省农村信用社的个人理财业务处于发展的起步阶段,尽管在产品服务、人员素质、市场营销以及信息化建设等方面还很薄弱,但福建省农村信用社还是可以利用在网点、品牌文化和背景上的优势,通过利用政策支持、产品创新、完善业务管理、加强风险控制等策略逐步提高福建省农村信用社个人理财业务的服务水平,打造适合福建农村居民的个人理财业务品牌,促进福建省农村信用社的个人理财业务快速、健康、稳定的发展。

The personal financial services of rural credit cooperatives in Fujian Province are in its starting stage. In spite of the weakness in product service, personnel capability, marketing and construction of information system, the Fujian personal financial services of rural credit cooperatives will take advantage of outlets and brand culture. This study proposed that the service performance of Fujian personal financial services of rural credit cooperatives can be raised gradually through utilizing policy support, innovating product, improving service management, enhancing risk control and other strategies. The paper also aims to help design the personal financial services suitable for Fujian rural people and promote the rapid, healthy and stable development for the personal financial services of rural credit cooperatives in Fujian Province.