The Creative Research On Operating And Management Of Chinese Rural Credit Cooperatives

Rural credit cooperatives are the kind of regional cooperatives and one of the most important part of Chinese financial system, which provide funds for the agricultural products, optimize the collocation of resources, help famers to increase their income and improve the development of rural economic. After a few decades of development, rural credit cooperatives has been fully acquainted with the local agriculture, village and famers, not only could these decrease the disadvantages of information asymmetry about the rural credit cooperatives and the risk level, but also increase the return on capital. However, due to the ambiguous of property, disordered corporate governance structure, and serious impact of government-run, all of these make the rural credit cooperatives meet extreme difficulties during their further development.This essay deals with the problems about the operating and management of the rural credit cooperatives, through researching the developmental patterns and current condition of operating and management of matured financial cooperatives in overseas, combine with our actual situation, adopt the SWOT analytical method, and raise the innovation parts of the operating and management of rural credit cooperatives. The essay use the theories of development economics, canonical and empirical analysis method, explaining the vigorous effort of investing for poor areas, in this to interpret that the need of rural credit cooperatives to creating in the range and species of operating, meanwhile regulating the management and improving efficiency in the process of putting fund to agriculture, village and famers.