Study On Reform Mode Of Rural Credit Cooperative Union In Well-developed Area

After more than 50 years' development, Rural Credit Cooperative Union has become an important component of the financial system, and has made substantial contributions to the development of the rural economy. Rural Credit Cooperative Union has supported the rapid economic development, however, it has accumulated and been faced with many problems ,and the reform is necessary. Well-developed areas have great effect on the economic development, and the reform of the Rural Credit Cooperative Union also has great effect on the whole rural financial system. Therefore, the emphasis of this paper is the reform of Rural Credit Cooperative Union in the eastern well-developed areas.In 2003, after the release of (Notice about Printing of Deepening Rural Credit Cooperative Union in Experimental Unit by State Council)), a new round of reform of Rural Credit Cooperative Union has initiated. Among them , Sunnan model of Rural Commercial Banks , and Yinzhou reform model of Rural Cooperation Bank , and the unification corporation model of town (city) have achieved good effects as the first experimental model. In order to explore the successful experiences and provide reference to the reform of the Rural Credit Cooperative Union in other areas especially the well-developed areas. This paper puts emphasis on the cases of the model of Sunan and Yinzhou, and draws some revelations-the reform model of Rural Commercial Bank and Rural Cooperation Bank are suitable for the well-developed areas, and put forward regulation design for the two development model.This paper is divided into four parts. In the first part, the author summarizes the connotation of cooperation, and characters of cooperative finance, and the organization forms of cooperative finance. In the second part, the author summarizes the development process of the Rural Credit Cooperative Union , analyzes the present situation and problems of the Rural Credit Cooperative Union. In the third part, the author contrasts the models of unification corporation model of town (city) , and emphasizes the economic characters , reform mechanism, and reform performance of experimental areas for the two models of Sunan and Yinzhou, and also analyzes the revelatory function of the reform model for the Rural Credit Cooperative Union. In the fourth part,on the basis of cases analysis combining different applicability of models, the author draws the conclusion that the reform model of Rural Commercial Bank and Rural Cooperation is suitable for the well-developed areas, that the specific reform model should be chosen only according to the principle of adjusting measures to local conditions, and the reform model should be established suitable for the local economic level. And the author also summarizes the development direction for the two models.In this paper, the author uses the method of induction and organon, emphasizes the performance of the two models , analyzes the reform model for the Rural Credit Cooperative Union in the well-developed areas after integration ; the author analyzes the two reform models of Sunan and Yinzhou detailed by examples, and puts forward the regulation design of the two reform models of Rural Commercial Bank and the Rural Cooperation Bank which is suitable for the well-developed areas by criterion analyzing, and reviews the development process of the Rural Credit Cooperative Union, and contrasts the reform measures in different times.It can be concluded from the analysis that the economic conditions in the well-developed areas are better than the poor areas , the strengths of the Rural Credit Cooperative Union in the well-developed areas with good economic basis is better than that in the poor areas, therefore, the reform model of Rural Commercial Bank and the Rural Cooperation Bank is suitable for the well-developed areas. However, the two reform models can not be chosen optionally in the well-developed areas, and the principle of adjusting measures to local conditions should be persevering in, and the reform model should be taken only according to the local economic conditions.The originality of this paper lies in the conclusion that two models of Rural Commercial Bank and the Rural Cooperation Bank can be popularized among the reform of the Rural Credit Cooperative Union in the well-developed areas. But different areas have different economic situations, and the fixed model should not be taken. The reform model of the Rural Credit Cooperative Union should be taken only according to the different economic situation, and the design of the development model of Rural Commercial Bank and Rural Cooperation Bank is proposed.With the present concerning statistics published, after studying the different reform modes of the Rural Credit Cooperative Union in developed areas, the author works out the more effective mode to reform the Rural Credit Cooperative Union. And, due to the limited time and statistics, the author mainly pays attention to the reform modes in the well-developed areas and little to the ones in the developing areas. In the further research, the author will focus on it.