The Research On The Financial System In Rural Cooperative Levels Of China

After the 21st century, along with market economy's depth development and economic restructuring's gradual deepening, the rural finance takes the rural economy the core, is playing more and more important role, its system's consummation and the function full display is relating the rural economic development level enhancement and the comprehensive construction affluent society goal reality. The rural finance market faces at present the question is the commercial finance is not willing too many involvements, the corporate finance system flaw, the policy-type finance to lack the ability to do what one would like and so on, causes the countryside call for fund not to be able to obtain satisfies effectively. The rural cooperatives finance is the rural finance market important component, the Rural credit cooperative is our country rural cooperatives finance main representative. Our country Rural credit cooperative after founds a nation the latter more than 50 years development, specially a reform and open policy for 30 year reform and the development, have become the rural finance gradually at present the main army, is supporting and promotes the rural economic development aspect to have the unreplaceable function. But, as a result of rural finance demand multiplication characteristic, therefore, the Rural credit cooperative cannot satisfy the rural finance completely the demand. Is precisely under such time background, this article synthesis utilization economic, the finance study and so on elementary theory, uses the comparison analytic method, rural cooperatives the financial development basic present situation from and the overseas development rural cooperatives finance experience obtains, to analyze the reason which our country rural cooperatives finance the present situation forms, proposed that constructs our country multi-level rural cooperatives financial system's tentative plan.First, this article is clear to the cooperation and corporate finance's related concept, and emphatically the deep level condition which, the background, the system and the principle manifests to the cooperation system and the corporate finance indicates, elaborates the rural cooperatives financial system establishment feasibility; Next, this article mainly carries on the detailed introduction and the comparative analysis to our country and the international rural cooperatives finance, including evolution, present situation, configuration of organization, structure system and so on. Through comparative analysis's method pointed out with emphasis our country rural cooperatives finance the present situation as well as creates this kind of present situation the reason, and analyzes infers the rural cooperatives financial system and the function flaw. Finally, this article on our country new time's rural economy and the monetary system, the analysis present rural cooperatives finance development model, proposed that constructs our country multi-level rural cooperatives financial system, the actual content includes:Continues to deepen the credit association to reform, expands the rural cooperatives mechanics of banking scope, cultivates the new rural cooperatives finance organization, sets up the agricultural cooperation Arming device, the perfect rural cooperatives finance guarantee system, and on this system determined that has the pointed supervision main body.The full text in rural cooperatives the financial theory to and the practice has carried on the system combed after the analysis, the research way and the full text research's conclusion applies our country multi-level rural cooperatives financial system reform and the construction aspect. To our country rural cooperatives'analysis, through to our country rural cooperatives' historical evolution analysis, the present situation and the problem analysis, our country rural cooperatives'reform and the trend of development analysis, proposed improves and enhances our country rural cooperatives the way and the policy orientation. This article research regarding promotes the rural finance reform to have certain theory value and the practice significance.