Research Of China's Rural Credit Cooperation Developing Into Community Bank Model

China's rural credit cooperatives as the main force in rural finance in China's deepening reform of the financial system and the financial industry in an increasingly competitive environment, how to further deepen reform in a better play to their functions and roles, effectively filling the rural financial piece of "shortcomings" , The rural economy to meet the financial needs of development, seize the country's new rural construction to the rural finance the great opportunities, access to their own health sustainable development, is now an urgent need to address the problem.China's rural credit cooperatives experience many changes from the establishment, there is still the problems in property rights and corporate governance, not sub-market positioning, providing products and services remains low with the big banks to repeat the phenomenon, failed to take root in the community geographical advantages and digging the potential customers, thus could not effectively meet the farmers and the financial needs of SMEs. Based on the development of community banks in the United States and its successful experience and the role in economic development that China establishs urban and rural community banks, which is expected to address the current financing difficulties of SMEs and to meet the rural financial needs of the problem. Rural credit cooperatives as local financial institutions, the management system, policy resources, and other aspects of geographical relations is quite similar with the community banks, so that the current process of restructuring rural credit cooperatives into community banks is effective model of the reform of rural credit cooperatives, new reform diluted cooperative nature, and strengthen community-based nature, thus becoming the most viable path out of the current reform rural financial plight of resolving the crisis. The article on the need for the transformation for community banks and comparative advantages are discussed, the focus on the reform measures of property rights system and corporate governance structure and organization system, market positioning etc. Since then, the article also expounds in perfecting our community banks to support the development of policy and legal security system, market access and exit system, the deposit insurance system and guarantee system and effective regulatory framework and other aspects, which is the environmental system issues conducive to growth of community bank.The paper uses property rights economics theory, using standardized analysis and empirical analysis of combining the basic method of trying to China in full swing for the reform of rural credit cooperatives to provide theoretical and practical information and learn from, in order to achieve the rural credit cooperatives and rural economy Virtuous circle of development.The paper uses property rights economics theory and combines standardized analysis with empirical analysis method to try to provide theoretical and practical information for China's rural credit cooperative, in order to achieve the virtuous circle of development between rural economy and itself.