| The cooperative financial practice originated in the mid-19th century in Europe,established for solving agricultural problems, has been practicing for over a hundred years,and due to different national conditions with different features. Cooperative financialcontribution of agriculture can not be compared to other forms of finance. The essential ideais called on the farmers to cooperate and control their own destiny. The most successfulmodel of cooperative financial in China is the rural credit cooperatives. Rural creditcooperative is a leader in financial institutions of rural areas. It is a major platform for farmersinvolved in financial transactions.In theory, China has always stressed the concept of rural credit cooperative. But in theactual running of the rural credit cooperatives, the cooperative system is weakened. Thehistory of the development of the rural credit cooperatives is also a continuing history of theamendment. The reform of rural credit cooperatives, as if the international practice as areference, but whether they can adapt to Chinese national conditions have yet to beexperimental. Shandong Rural Credit Cooperative as the first batch of pilot reform of thecountry, the first to establish a provincial Associated Press, started incorporating Sharesmechanism, establish a financial system of the three property rights coexist. This article bytracking the course of the reform of rural credit cooperatives in Shandong, combined withdomestic and foreign rural cooperative financial reform experience, explore a balancebetween the agricultural economic growth and achieving the interests maximize. The purposeis to find the direction of reform and contribute to regional development.Firstly, by comparing the mature foreign mode of rural cooperative financial, the articleenumerates the quo of rural credit cooperatives in China. It has been accumulated uniqueexperiences, also contrary to the commercialization of rural financial. Rural financial has beenreformed based on property right many times. Shandong Province has formed creditcooperatives, rural cooperative banks and rural commercial banks. The second part of thearticle is to find a breakthrough for deepening reform. The rural construction is effectively.The economy is different between areas of Shandong. The article explains the region financialenvironment of Shandong with economic statistics, compares the other rural financialinstitutions with rural credit cooperatives. Regarding strategic arrangements for rural financialinstitutions, the rural financial market is dynamic. Taking advantage of the reformatoryopportunity, rural credit cooperatives will complete the strategic layout. Finally, the article lists the problems encountered in other rural credit cooperatives, as well as solutions.Shandong rural credit cooperatives can use the solutions in order to taking a shortcut in thereform. |
