Rural Credit Cooperatives, Shareholding Structure Analysis And Transformation

As the component of rural financial system,Rural Credit Co-operative was the most important channel for agriculture and rural economy to circulate necessary funds . The transformation of Rural Credit Co-operative' s share structure concerns the cardinal direction of rural financial development,as well as the capital foundation of rural economy progress and the increase in agriculture production and peasants' incomes.There are three forms in designing the Rural Credit Co-operative' s share structure:nationalization,share capitalization and cooperatioa Under the pressure of market competition,Nationalization will certainly make it abide by business operating principle and object to pursue the profit maximum,result in a great deal of rural capital moves to central city with the drive of capital profitability,then lead to the short supply in rural financial market and the development of rural economy would be lack of capital support. Share capitalization is a more reasonable share structure form of commercial financial institution. But it can also cause the financial institutions to adopt business operating orientation,more rural capital concentrate on high quality customers,which results in capital moving from rural to central city and enlarging the capital cap of rural economy development. Co-operation is relatively fit for the actual condition of rural economic development in our country. It can realize the purpose of putting the capital from the country and then to the country,decrease the outflow of rural capital and increase the capital supply for the rural financial market,effectively perform the function of support the finance and promote the rural economy development.Restricted by inner factors such as low quality of the credit assets,confusion management,etc. And outer factors such as the low level of peasants'income and social credit and etc. There are still many problems in the share structure transformation of our Rural Credit Co-operative following the principle of cooperatioa But we can' t deny that the transformation of cooperation share structure is very necessary to perfect the rural financial system,collect rural spare capital,improve agricultural products pattern and raise the peasants' incomes. Analysising from the rural financial market condition,peasants' economic strength,agricultural and rural economy' s fundamental condition,the cooperation of share structure transformation is of great feasibility. According to economic development conditions of different regions,we shall adopt the principle of distinctive treatment as well as progressively promotion. We will practice transform share structure mainly by employing cooperation,for the sake of improving management,achieving the "two-win" goals of the management improvement of Rural Credit Cooperative and the developing of rural economy.It' s a long run task to transform share structure of Rural Credit Co-operative. We must begin with strengthen of the Rural Credit Co-operative' s management,intensify the supervision of central bank,improve the national policy support,optimize the social credit environment. We will achieve progressively the perfect of rural financial system,the development of rural financial institution and the prosperity of rural market economy.