Work experience of new credit cooperatives

Mechanism innovation is the fundamental requirement for the scientific development of rural credit cooperatives

Anze United poplar

The 17th National Congress of the Communist Party of China once again requires us to fully grasp the scientific connotation and spiritual essence of Scientific Outlook on Development and implement Scientific Outlook on Development in all aspects of economic and social development. As far as China's rural credit cooperatives are concerned, facing the rapid changes in the operating environment and their own business, it has become the fundamental requirement for China's rural credit cooperatives to seek scientific development to innovate with the times and improve the vitality of enterprises. The author talks about some superficial understanding of the mechanism innovation of rural credit cooperatives in combination with the actual work.

Cognition 1: the starting point of innovation-think big and start small.

As the saying goes, "Mount Tai is not limited to fine soil, so it can be high; Rivers and seas do not choose small streams, so they can become deep. " Therefore, the gift does not hesitate to make small concessions, and the details determine success or failure. In our rural credit cooperatives, it is indeed valuable to want to do great things, but it is equally important to do details; We don't lack all kinds of rules and regulations, but what we lack at present is always the executors who strive for perfection and are loyal to the executors of rules and regulations. For rural credit cooperatives, the market positioning has long been clear, and the reform is also deepening. To some extent, the future market competition will be the competition of details. Only by working hard on details can we ensure that we are in an invincible position in the fierce competition.

First, start from scratch and be cautious about small things. When we plan major events and formulate strategies, it is often the easiest to ignore some seemingly simple and trivial things. What do you mean it's not simple? It's not easy to do simple things well every day. What is not easy? It's easy to generally admit it, but it's not easy to do it well. One of the basic qualities of credit cooperatives is seriousness. Only in this way can we adapt to the new situation of credit cooperatives' services.

Second, grasp the details and serve the overall situation of development. Service is the life of financial services. Only by paying attention to the details of service can we win more customers. POLO leather bag, an internationally renowned brand, has been in an invincible position for more than 20 years with its meticulous specifications of "eight stitches per inch"; KFC and McDonald's set up branches all over the world with meticulous and strict product production requirements and service procedures. In the future, credit cooperatives should adopt quantitative service management standards as much as possible, just like some domestic industries adopt industry standards, and work hard on detailed services, so as to "move customers patiently, warm customers attentively and retain customers attentively" and strive to occupy a place in the fierce competition.

Second, pay attention to details and strengthen internal control mechanism. As a high-risk industry, the financial industry may cause huge losses if it is not careful. Reflecting on several major financial cases in our province in recent years, we can see that behind the cases is not the lack of system, but the system has not been well implemented. The function of system lies in restraint, the core of restraint lies in authority, the life of authority lies in execution, and the starting point of execution lies in details. While focusing on the overall situation, we should start small, develop meticulous work habits, strive to refine work processes, sum up scientific methods, change traditional thinking, improve execution, and gradually form a corporate culture concept of dedication, responsibility and obedience.

Cognition 2: the foothold of innovation-attach importance to management and improve management

The premise of promoting mechanism innovation is to have a correct understanding and judgment of innovation. We are used to putting more energy into business innovation rather than management innovation, that is, putting most of our energy into absorbing deposits, issuing loans, expanding market share and improving external image. In this way, the operating results of enterprises may be swallowed up by the "black hole" of management, and the imbalance between management and operation will make us lose many internal motivation and mechanisms of scientific development.

Generally speaking, the operation and management of enterprises are integrated, but strictly differentiated, operation is outward expansion, facing the market, customers, partners and competitors, and pursuing organizational benefits. In a sense, it solves the survival problem of enterprises; Management is introverted, facing the development and utilization of process, business, division of labor and human resources, pursuing organizational efficiency and solving the problem of sustainable development of enterprises. Therefore, we should vigorously promote management innovation, promote management by management, and seek benefits from management to form a correct and powerful management system, thus promoting the rapid expansion of operating results.

Understanding 3: the orientation of innovation-business indicators as a means, market demand as a guide.

Mechanism innovation needs overall thinking and overall goal traction. At present, the business plans that are widely distributed and decomposed at different levels in our industry are easy to be divorced from the specific market environment of each business unit while improving business performance, and there are some disadvantages: 1, lack of thinking and formulation of strategic objectives of enterprises, and the business ideas are tied up with the completion of task indicators, which tends to focus on short-term business behavior and ignore long-term planning of enterprise development; 2. Impetuous style that may contribute to great success, and it is easy to form a false prosperity situation that blindly expands the scale of operation and ignores internal management and cost control, and the enterprise is big but not strong; 3, do not pay attention to the research of market demand, ignore the cultivation and guidance of the market, ignore the construction of credit projects, and can not capture long-term development opportunities from market changes.

In the era of lack of competition in the market, the guidance of business indicators will play a positive role in the healthy development of enterprises. However, with the scarcity of customer resources and the fierce competition for customers by banks, marketization has become an inevitable choice for mechanism innovation. Grasping and guiding market demand has become the core of market competition. On the one hand, the source of innovation comes from the insight into market changes and the correct grasp of customer needs. In the market competition, we should not only meet the demand and seize the opportunity, but also actively discover and guide the customer's demand, cultivate the market, develop the potential customer base and create value for customers. Only in this way can we improve the lasting loyalty of customers and enhance the core competitiveness of enterprises, thus opening up more room for survival and development for enterprises. On the other hand, the market is the only criterion for testing innovation achievements. Whether the innovation results are valuable or not ultimately depends on the evaluation of customers and the test of the market. Customer values are the traction and guidance of enterprise innovation, and customer satisfaction is the evaluation standard of innovation achievements.

Cognition 4: the intellectual source of innovation-exploring on the basis of imitating others.

The 17th National Congress of the Communist Party of China raised independent innovation to a strategic level. Our credit cooperatives are rooted in the countryside for a long time, which is greatly influenced by traditional consciousness, with relatively conservative innovation consciousness and relatively late start of mechanism innovation, but because of this, we can enjoy the "late-comer advantage". Some large financial enterprises at home and abroad have provided many ideas and methods for industry management. Faced with numerous intellectual resources, it is obviously not advisable to make innovations behind closed doors. Instead of making some risky innovations and explorations, it is better to learn and introduce other people's successful practices in a down-to-earth manner.

However, as the main force supporting modern rural finance, if we only mechanically imitate other enterprises and follow the trend to promote a certain model, we can only make enterprises lose the direction of development. Only by pursuing "takenism", boldly innovating, focusing on reality, step by step, differentiated absorption, integration and development, and forming an enterprise operation mechanism with both common standards and its own characteristics, is the correct way to treat mechanism innovation. At present, China's society is establishing a unified corporate society, actively improving the corporate governance structure, transforming the operating mechanism, and striving to explore a new way of management of county-level rural credit cooperatives with effective incentives, strict constraints, encouraging innovation and strict rewards and punishments, which is in line with the provincial, agricultural and social conditions. This is a great attempt of mechanism innovation.