| In the pattern of economic and social, ethnic minority areas remoteness,infrastructure is weak, the level of economic and social development is lagging behind,in the obvious weak position.Promote economic development in ethnic areas, andeffectively improve the people economic income levels, improve the quality of life, toshare the fruits of reform and development is the key to a comprehensive well-offsociety and solve the "three rural" issue. At the same time the level of ethnic regionaleconomic prosperity or not a standard is the degree of development and prosperity ofthe local financial institutions, in particular the level of financial development of ruralareas.After60years of development, rural credit cooperatives have become the mainforce of the rural financial system, made great contributions to rural economicdevelopment in minority areas. But the vague property, capital and management bodyShun, poor operating conditions, heavy historical burden has become a serious obstacleto the development and growth of rural credit cooperatives. In June2003, the StateCouncil issued documents on deepening the reform of rural credit cooperatives pilotprogram, rural credit cooperatives in accordance with the documentation requirementsacross the country began to explore a unified county-level legal, rural cooperative banks,rural commercial banks reform model, and has been successful. Minority areas aroundthe rural credit cooperatives were also different attempts to obtain good results. But withthe depth of the reform of rural credit cooperatives to promote and speed up the optionreform basically clear the road policy guidelines to go joint-stock reform. Therefore,according to the national economic environment to find a suitable mode of the nationalregional joint-stock reform and development path will be exactly the core.In this paper, the successful reform of the ethnic minority areas of rural creditcooperatives qualitative and quantitative analysis, combined with local economic andfinancial background, natural and geographical environment, cultural factors such as thelevel of development, summed up the successful experience in reform. Combined withthe actual characteristics of Xiangxi be compared, analysis, study and learn, Xiangxirural credit cooperatives under the joint-stock reform of road ownership structure,management model, the operating mechanism to make recommendations, which rose tothe entire ethnic minority areas of rural credit cooperatives reform of rational thinking,and propose reforms. |
