About Rural Credit Cooperatives To Provide Finance Service Support Research To Poyanghu Ecological Economic Area Constructions

Jiangxi Province’s long-expected “Poyang Lake Ecology Economic Zone Plan" finallyrose as the national strategy, and obtained the State Council’s official written reply onDecember12,2009. According to Jiangxi Province’s circumstances, the position plan and theeconomical characteristic analysis, the essence of the Poyang Lake ecology economic zoneconstruction still is “three agriculture” problem, and there exists fund bottleneck;Simultaneously some industries in Poyang Lake ecology economic zone posses thecharacteristics of the green economy, the low-carbon economy and the circulation economy,low energy consuming and low emissions, and they consume much in technical research anddevelopment and the application promotion stage. Therefore, Poyang Lake ecology economiczone construction seeks fund earnestly.The Countryside Credit Association is generated and developed for the service of “threeagriculture”, from this angle, the Countryside Credit Association’s development is inseparablyinterconnected and mutually beneficial and cooperative with the Poyang Lake ecologyeconomic zone construction. Their relations are dialectical. From the angle of developmentecology economy, because the main “position” of ecology economy is in the countryside,while the Countryside Credit Association spreads all over the countryside, so compared withother financial institution, the Countryside Credit Association enjoys the natural superioritywhen providing the financial service for the Poyang Lake ecology economic zoneconstruction.This article first introduces the development present situation of the Poyang Lakeecology economic zone, then analyzes the present situation of the Countryside CreditAssociation when supporting the Poyang Lake ecology economic zone construction, andpoints out some existing problems, then analyzes the power of the Countryside CreditAssociation when supporting the Poyang Lake ecology economic zone construction, andgives the basic ways and tactics.This paper considers that the services of Jiangxi Countryside Credit Association can’treach the requirement of the Poyang Lake ecology economic zone construction: the problems are that the network has the blind spot, the fund supplies are insufficient, the fund cost is high,the financial products and the service variety are few and so on. In order to better support theconstruction of the Poyang Lake ecology economic zone, the Countryside Credit Associationshould determine the key points in the existing credit domain: Putting resources circulationand green energy construction, the green village and the ecology cities construction,medium-sized and small enterprises, the main enterprise, the city and countryside inhabitants’each kind of expense demand as the credit delivery key points; also developing the newservice domain: to support ecological agriculture development, support new industrialdevelopment, support modern service industry development; as well as to adjust and optimizethe network layout, and to develop electronic bank service; the Countryside CreditAssociation also must speed up the legal person unit property right system reform, thecomprehensive optimized management pattern, setting up the customer as the centralmanagement idea; finally, this article considers that it is insufficient to merely depend onCountryside Credit Association’s own reform, and it appeals the support from the country: Forexample the Countryside Credit Association’s prejudice policy should be canceled, theCountryside Credit Association’s historical burdens should be melted away, the finance andtaxation policy support should be strengthened, and the good law environment and marketenvironment for the Countryside Credit Association should be built (to improve and perfectagricultural insurance mechanism and countryside intermediary service system).