Development Model Of China’s Rural Cooperative Financial

It is an important issue for the domestic and international economic theorists to develop cooperative finance in rural areas. Rural Credit Cooperatives is the form of rural cooperative financial in China, It provides financial services to farmer members with its unique way. At present, it plays an important role in rural financial field, and has become the main force of the rural finance.China has been reformed the system of Rural Credit in2003. State Department put forward to deepen new farmer cooperative finance organization in2005, it is very important to explore suit way to develop cooperative in rural areas. So, it is very important to find the right way and methods of development with discussing the development model of cooperative finance in the market economy under rapid development.Firstly, introduce the basic theory of financial cooperation; Secondly, describe the development process of rural cooperative financial of China in detail, study the development of rural cooperative financial abroad, and benefit from the successful development experience; Thirdly, summarize the development status of rural cooperative financial of China, and point out the problems. Finally, according to the practical problems, investigate the choice of development model, and indicates the stock system model as the final choice. Develop the Rural Commercial Banks, and implement the total branch system, according to the way of "bottom-up" shareholder, and "top-down layer", establish the Rural Commercial Bank of County, in conditions of a mature on the basis, set up province rural commercial banks, finally, establish a unified national Rural Commercial Bank, to achieve the development model of Head Office-Provincial Bank-County Bank.The main contents of the paper includes following aspects:First part is preface. It includes choosing target and meaning of the paper, inside and outside literature summarization, the research content and frame structure of the paper.The second part is to introduce the theory of rural cooperative financial, including the overview of financial cooperation, and the characteristics and principles of cooperative financial.The third part is to elaborate the development process of rural cooperative financial, different the historical periods; introduce the development of rural credit cooperatives of China, the current achievements, and point out the problems of development; finally, illustrate the changes of the Rural Commercial Bank Of Zhang Jia Gang before and after the reform, and highlight the achievements of the reform.The fourth part is to study the abroad cooperative financial and get apocalypse.The fifth part is to focus on the choice of the development model of rural cooperative financial, study the advantages and disadvantages of the three development model existed; In order to completely solve the development problems of rural credit cooperatives, put forward to stock system as the ultimate goal, and implement the total branch system on this basis, and implement the total branch system, according to the way of "bottom-up" shareholder, and "top-down layer", establish the Rural Commercial Bank of County, in conditions of a mature on the basis, set up province rural commercial banks, finally, establish a unified national Rural Commercial Bank, to achieve the development model of Head Office-Provincial Bank-County Bank.The last part is to summary the paper and point out the shortage of the research. The discovery and possible innovations is that the stock is the ultimate development objectives of rural credit cooperatives based on the research of rural cooperative financial development patterns at home and abroad, establish the Rural Commercial Bank, implement the total branch system and the three corporate governance structure, achieve the development model of Head Office-Provincial Bank-County Bank.