Study On The Risk Prevention And Regulatory Of Rural Credit Cooperation In Gansu Province In The Reform Transitional

With Joined WTO in China and the globalization of the finance, the financial reform of China is imperative. The reform of the state-run commercial banks goes on gradual changing types of operation, carries on market orientation again in every large state-run commercial bank, withdrawing from the situation of the undeveloped rural market one after another, the reform of the rural credit cooperation is particularly important. The key period of stepped-up constructing the harmonious society and building the socialist new countryside in an all-round way in our country, how to make the finance better to support the development of rural economy, offer the financial support of starting an undertaking and producing to peasant, it is a subject urgently to be solved in front of us.Because the rural credit cooperation is different from the commercial bank in such aspects as property right structure, management system and responsibility, so the reform of the rural credit cooperation can't equate with the general banking institution briefly. And Gansu Province that locate in the western low developed area, rural economy development lag behind very much, the reform of the rural credit cooperation should be not merely influenced by a great deal of one's own questions, receive the restriction of local economic state of development, transforming the government functions and financial state at the same time, so make the risk and questions exposed in the Reform transitional period of Gansu are especially worth studying.This paper is just under this kind of background, through carrying on the case study internal and external environment, one's owned risk state and characteristic which the rural credit cooperation of Gansu in the transitional period, utilize the method that to compare with emphasis and differences of risk of the rural credit cooperation and other banking institution of Gansu, find the main risk of the rural credit cooperation and origin cause of formation, so can offer effective way and measure that put forward and take precautions against the risk of rural credit cooperation of Gansu in the reform transitional period.