Study On The Reconstruction Of The RCC System

The article from some different aspects discusses the rural credit cooperation (RCC) which is the establishment of the rural credit cooperation(RCC),its development trail,some times adjustments in its internal mechanism,and the current situation and problems existed.Finally the article put forward some suggestions in reconstruction the RCC system based on the research.After several adjustment,RCC has departed from the rule of cooperation finance in a certain degree,RCC has very strong government manufacture and imitation at first.First,the article put emphasis on the production,the development and repeatedly adjustment,in order to show the important status and the function.This article points out that the reform of RCC play a very important,rule on solution the "Three agricultural problems " question. Second,this article analyzes the RCC based on the cooperation finance theory and the latest development trend.The latest trend has the important instruction to the RCC reform.At the same time,this article researches the four kinds of patterns which formed in the international scope,profited from its success experiences and unifies our country RCC situation,obtains the important enlightenment,Once more,this article analyzes the tremendous change which under the new form of the village economical environment and the RCC management environment,this article also points out the main questions of RCC:too many bad assets,the low function of own service,insufficient capitals,the unitary management pattern and so on.The formations of these questions were caused by the RCC interior and exterior disadvantages.Detailed elaboration analysis is necessary in the article.Therefore,the article put forward several suggest to reconstruct of the RCC system at the end. Mainly three aspects:the first is the deepen reform of the rural finance system in the whole,perfect rural finance system.The permission RCC property right multiplication encourages the different property rights form in the rural finance system.The allowance of the growth space for the true cooperation finance organ simultaneously.Increase of rural finance.The second is to build the good exterior environment.speeds up the cooperation finance legislation,at the same time initiates the health credit culture.The third part is that the RCC should strengthen its own consummation and the internal construction,strengthen the market idea,optimize the self-consummation controls,and transform the servant idea and so on.Enlarging the dynamics service to "Three agricultural problems" development could make the rural economy and finance develop harmoniously into reality.