边疆少数民族地区农村信用社如何提高其竞争力——基于农村信用社与其它银行博弈的角度

A New Perspective for the Competitive Edge of the Rural Credit Cooperatives

本文突破了传统的从农信社自身的静态角度研究的模式,从金融博弈的角度,从边疆少数民族地区农信社与其他银行的博弈入手,通过动态的竞争机制对农村正规金融机构进行了研究。研究发现,只有发挥规模经济效应,提高市场占有率,才是农村信用社增强其竞争力的最佳策略。为此,本文提出增设网点、实施积极的营销贷款方式、扩资增股、借助资本市场、大力发展跨境业务等建议,以增强农村信用社在边疆少数民族地区的竞争力。

Switchlng from the traditional static analysis to the dynamic research mode, that is, from the perspective of game playing and the competitive mechanism between Rural Credit Cooperatives and other banks, this research finds that the competitive edge for rural credit cooperatives in frontier minority areas lies in scale economy effect and market share. As a result, the paper offers some feasible suggestions for RCC, such as setting new outlets, actively implementing marketing loans, expanding capital and increasing shares, using the capital market, developing cross-border business, etc.