Rural Credit Cooperative Management Structure And Risk Control Mechanism Research

Now China's biggest problem is the issue of farmers and the fundamental problem of farmers is the issue of agricultural and rural economic development. Our country's rural credit cooperatives has being developing for over 50 years, which has contributed greatly to our country's agricultural rural economy and rural social stabilization in different history periods. But the fund factor has always been the scarcest factor in rural economic developing. Socialist new rural reconstruction demands the coordinated development of urban and rural economy, as well as the establishment of corresponding rural financial service system. However, rural credit cooperative has been a nominal cooperative organization establishing according to administrative directives, and it has not complied with cooperative's principle of "voluntary,mutual assistance and cooperation, democratic management, etc." since its establishment. Little fundamental attributes of cooperative finance has been left undergoing many rectification and reform. The reform of rural credit cooperative has entered a crucial period, and governance structure reform is the key area of deepening rural credit cooperative's reform. Current confused governance structure has been seriously hampering the healthy development of rural credit cooperative, even the development of rural economy. If rural credit cooperative's governance structure isn't straightened out as soon as possible to adapt the changes of rural economic system, it won't exist and develop for a long time, needless to say more about providing finance support to rural economy. So building the governance structure of "reasonable and scientific,clear attribution,clear rights and responsibilities,strict protection,free circulation" is the key problem of whether rural credit cooperative can prevent risks and the new round of reform will succeed or not. There are important realistic meanings of studying rural credit cooperative issues.This thesis has carried on theory and practice research on related issues of rural credit cooperative, including objective basis of rural cooperative finance's existing, problems existing in rural cooperative finance's governance structure and its risk controlling, which was mainly based on theory of institutional economics and risky management, mainly from the prospective of governance structure and risk controlling. Then corresponding policies and suggestions on reconstructing rural cooperative finance's governance structure are put forward to improve its performance and prevent risks.This thesis mainly selects the problems of rural cooperative finance's governance structure and risk controlling mechanism to study. Main contents of this thesis are as follows:1. Analysis on relevant theories. Introducing basic theories of cooperative finance,modern property right institution,governance structure and risky management. 2. Comparison analysis on organizational structure's setting and system model of typical countries' rural financial enterprises, and putting forward reference and inspiration to our country's rural cooperative finance;3. Analysis on developing process of our country's rural cooperative finance in different periods, and directing every period's characteristics;4. Directing problems existing in our country's rural credit cooperative's governance structure from internal and external aspects, and analyzing their causes from three aspects of congenital cause,growth environment and autoimmune cause;5. Directing risk controlling mechanism of our country's rural credit cooperative, that is external supervision mechanism of central bank and internal controlling mechanism of itself;6. Putting forward Countermeasures and suggestions of perfecting our country's rural credit cooperative's governance structure and risk controlling mechanism. Taking series of measures to carry on internal and external reform on rural credit cooperative's governance structure,establish a policy support system and enhance its capacity of preventing risk.