| The rural cooperative bank in China practises stock cooperation system in property relations. Compared with the rural credit association, which practises the cooperation system, it is more effective and stronger in competition, meanwhile plays an active role in the reform of the rural credit association, thus obtain a good result. But on the development direction in the future, because of the inner instability and weak points of the stock cooperation system, meanwhile the stock system is more effective, the stock cooperation system gradually evolutes for stock system, and the rural cooperative bank also will certainly develop towards the commercial bank.At present, there are many problems for the rural cooperative bank in China in the reform of property relations, the structure of corporate governance, the business development, the risk management, the technology support and comprehensive quality of staff; there is still a great distance to the realization of modern bank, which is flexible and advanced in management. This paper analyses the problems existing in the rural cooperative bank in China. And by referring the experiences of European cooperative bank, we consider on the measure of advancing the development of the rural cooperative bank in China. This paper proposes that the rural cooperative bank must adopt the measures to become perfect by deepening the reform of property relations, perfecting the structure of corporate governance, promoting the business development, enhancing the risk management, enlarging the technology support, improving the quality of staff and strengthening the construction of personnel. As for the necessary policy corresponding to the outside situation, this paper proposes that we promote the development of the rural cooperative bank from the following aspects: the enhancement of law supporting, the governmental favorable policy, the establishment of the system of deposits insurance, the enhancement of the guidance and service of industry, and the improvement of the supervision and management of finance. |
