The Study On The Sustainability Of Rural Credit Cooperatives Based On The Crediant For Agriculture

Problems about agriculture,rural areas and peasantry are the fundamental problems of our economy, and solution of these problems needs a complex systematic engineering. What's more, improving the rural financial system and rural financial services are very urgent jobs. While the income of the farmers rises with rapid economic development in Shaoguan, rural financial services have been weakened, such as the downward trend of the number of the staff, smaller businesses and so on. Because financial services in rural areas don't keep pace with economic reform and development, these services can not meet all needs of rural economic development. The problem that the adjustment of agricultural structure is not reasonable, and the problems about agriculture,rural areas and peasantry gradually rise, which has seriously affected rural economic restructuring and development in Shaoguan. It is an inevitable demand for promoting economic developments in rural areas to improve the rural financial service system.According to the main theories on rural finance and some of the advanced experience summed up, this paper makes some suggestions on rural financial reform in china. Then, through investigation, we learn whether the financial services are enough or not in Shaoguan area, and we find that farmers'needs are not effectively met, the number of rural financial institutions declines, and main financing comes from non-formal finance. And this paper analyzes the causes, indicating that these problems are related to imperfect financial ecological environment, excessive intervention by government, imperfect financial system, and lack of the financial knowledge farmers grasping. Finally, this article points out that improving the financial services in Shaoguan should take measures as follows: firstly, reasonably definite functions of the government and the market in the rural financial reform; secondly, cultivate a wide range of rural financial institutions'business; thirdly, meet the various needs for financial services; fourthly, construct the integrity in rural areas; fifthly, we need to publicize financial knowledge.