Study On The Reform And Development Of China's Rural Credit Cooperatives

Cooperative-finance is one of the means of financing based on the rule of cooperation and free stock union, democratic management and combination of collective and individual ownership. China's Rural Credit Cooperatives is the only cooperative financial institution in china that deals with the financial service to the rural population. In the 50-year development, China's Rural Credit Cooperatives has been playing a very important role in serving the peasants, supporting agricultural development, and has developed it self. But the management system had undergone several prominent changes, it was changing into a state-owned bank, so it has been turned into a "state-owned" institution in organization, management goals, management system. Thus made it under heavy burden of old problems and bad loans, these are the key factors affecting the development of China's Rural Credit Cooperatives. So it is urgent to promote the reform of China's Rural Credit Cooperatives. This article analyzed the general theory of Cooperative finance, and the development present situation of the reform and development of China's Rural Credit Cooperatives, and its character, its role in the rural financial system. Based on the problems found in this article, the author points out the necessary external environment and rules needed in the reform, provides the basic routine of the reform and specific suggestions learnt from the successful foreign experiences.This paper is divided into six chapters:Chapter 1. Introduction. It is about the background, purpose, significance and the sphere of the study, logics and methodology of the essay. It also cites the new points of the essay.Chapter 2. The theoretic analysis of the cooperative finance and cooperative principles. By analyzing the theories, the author talked about the modern cooperative finance principles, denoted the characters of the world rural Credit Cooperatives and the tendency of China's Rural Credit Cooperatives. This is the theoretical basis for the following analysis.Chapter 3. The system arrangement of rural finance and the necessity of the development of China's Rural Credit Cooperatives. In detail, it first analyzed the demand character of the rural finance and the defects of the system. Then, it deals with the China's ural financial repressive problem by financial repressive theory and the probability ofdeveloping the China's Rural Credit Cooperatives. Finally, it points out that China must develop the rural financial cooperatives.Chapter 4. The historic development of the China's Rural Credit Cooperatives. It essay recalls the historic development of the China's Rural Credit Cooperatives, mainly focused on the reform after 1996, and draw a conclusion of the experiences of it.Chapter 5. The major problems on the reform and development of China's Rural Credit Cooperatives. It points out the major problems in the development and gives a systematic analysis of the reasons.Chapter 6. A total tactics for developing the China's Rural Credit Cooperatives. It essay supplied tactics for developing the China's Rural Credit Cooperatives based on the common experiences home and abroad;provide a basic scheme for the future development and specific suggestions about it.