The Research On Sustainable Development Of Rural Credit Cooperatives In Our Country

Rural Credit Cooperatives (RCCs) is our country's rural finance main army. How to display its function in the further reform, achieve agriculture and society "double wins" and realize the sustainable development is the current urgent difficulty to solve. The sustainable development of Rural Credit Cooperatives is the need of rural economy sustainable development, and the socialism new countryside construction. Therefore,the Rural Credit Cooperatives has to grasp the chance of sustainable development in the course of reform.This article appraised the sustainable development ability of the RCC, although from 2003, the economic indicator of the Rural Credit Cooperatives had distinct improvement, generally speaking, its management condition still displayed the low self-development ability and the relative high rural finance permeability, it is hard to meet the needs of the rural economy. The reason of hinders both have the internal factor, and the exterior factor. Among them, the internal factor is the leadership, mainly manifests in the flaw of property right system and the imperfect of internal management system, the exterior barrier mainly manifests in exterior management system return, the lack of deposit insurance system, the guarantee mechanism and market withdrawal mechanism and so on. Therefore, the article proposed, if the RCC wants to develop continually, healthy, and stable, it must grasp the chance of reform. On the one hand, it has to carry on the system innovation, establish the property mode and the internal management mechanism, which enable it to have the persistent effect, the stable management. On the other hand, it has to cultivate the good external environment, including the system environment, legal system environment, policy environment, credit environment and market environment and so on. Because of the difference of economic development level in all areas, and the different rural financial demands, the article discussed the choice question of property right mode of Rural Credit Cooperatives in our country through the practice and the mutual comparative analysis of the three kinds of property right patterns. Pointed out that if the Rural Credit Cooperatives choose the suitable mode, play function of the property right to the maximum extent according to the market principle, the new system will turn the advantage to the true economic benefits, and promote it to develop continuously.This article used property right economics and new system economics theory,...