The Research On Joint-stock Reform Of Rural Credit Cooperatives

Since the rural credit cooperatives had founded,our country made several reforms toit.because of the effect factors such as policy,principle,historial background and so on,it giverise to the difficulty in the development of rural credit cooperatives.especially the new roundof rural credit cooperatives reform since2003,had achieved the obvious effect.But as a result ofun-radical reform,there are still many questions in the development of rural creditcooperatives.During the “12thFive-year plan”period,CBRC put forward a plan to speed up thejoint-stock rural credit cooperatives,breaking down the long-term reform proposals in the nameof “Cooperation System”that made system obstacle. Rural credit cooperatives of AnhuiProvince responded positively to the call of national policies based on their owndevelopment,in2012,they put forward to keep the direction of joint-stock reform,press aheadwith changes of rural cooperative banks and rural credit cooperatives qualificationshares,renovate poverty-right relation all around,optimize the structure of stock and regulatestock management.Full completion of qualification shares is set for2012,shooting for changingrural cooperative financial institutions over the province into rural commercial banks that havedistint poverty right,reasonable ownship structure and perfect control structure.How to solvethe puzzle of “Agriculture,Rural and Farmer” is always the most important in basic state policyfor Party and our country.We don’t lack big banks,but we lack small and medium-sized bankswhich can provide professional and attentive service.Rural credit cooperatives have naturalcomparative advantage in rural financial markets.If rural credit cooperatives made a gooddevelopment,they would have promote action to “Agriculture,Rural and Farmer”.This paper combs seriously of rural credit cooperatives interrelated theories and reformhistory,throught alienation analysis co-finance at home and abroad and successfulexperiences,we come to know the reform development of rural credit cooperatives is notpedent but changing all the time.It researches why we put rural credit cooperatives in AnhuiProvince to joint-stock reform,the possibility and necessity,it also evaluate the results of reformto show periodical results of transition of Anhui ruran commercial banks,then makes asuggestion to the development after of commercial reform.The structure of the paper is as followsThe first chapter is foreword.Try to research background and meanings、literature review、methods and technological route，possible creation and shortage.The second chapter is relating theories of rural credit cooperative.Founded onreferences,combing relating theories about founding and development of Rural CreditCooperatives,mainly to propose supporting theories of it.The summary of co-finance alienationat home and abroad.Based on cooperative principle at home and abroad and the feature thatpostal managements are continually joining,to describe co-finance alienation.The Third chapter is rural cooperative economy organization or developed countries andco-finance experience that we can learn.Take USA,France,Japan and German for example,todescribe in basic structure,farm-supporting pattern and enlightenment.The fourth chapter says about development history、now conditions and existingproblems.Based on researches now,reform history of rural credit cooperative in our country canbe segmented into six stages,this chapter explains the process、path and periodical result ofeach stage. The fifth chapter says about the background and cause of reform of Anhui ruran creditcooperatives.Consider their own development,the text analysis from the necessity andpossibility of reform.The sixth chapter is effect evaluation of reform of Anhui rural commercial banks.I mainlytake seven of the banks as check samples and evaluate their business performances.The seventh chapter describes suggestions that how Anhui rural commercial banks shouldimprove and develop.These suggestions are based on now conditions.