Analysis On The Legal Person Management Structure Of The Rural Credit Cooperatives In Our Country

Rural Credit Cooperatives (hereinafter referred to as the "Rural Credit Cooperatives") play an important role in the reform and development in rural areas of China to maintain financial stability, promote rural financial service ability and level, promote the construction of socialist new countryside。Therefore, the reform of Rural Credit Cooperatives has aroused great attention in all aspects. Since the deepened of financial reform in2003, the asset quality and financial situation of rural credit cooperatives is improved, the long-standing systemic and the regional payment risk has been effectively controlled, the size of funds and agricultural credit increased significantly, the rural financial service improved significantly, the reform of property right system has been made in further progress, the legal person management structure have preliminary establishment. The reform has achieved initial results. However, we should realize that the achievements of the reform largely rely on the policy support and the loan expansion. Since the reform of property right system is still not complete, the belongings and the responsibility for rural credit cooperatives is still not clear, as a result, the insider control and the internal control is weak, the invalid in the legal person management is still outstanding. While the improvement of the legal person management structure is closely related to the reform’s two focus of this thesis——the reform of property rights and the management system. Therefore, to improve the legal person management structure affects the success or failure of the reform of rural credit cooperatives, has important theoretical and practical significance to the realization of the goal of the reform of rural credit cooperatives.Based on this, the thesis Analyze the causes of a mere formality of the legal person management structure, relating to property right economics, institutional economics, finance, modern enterprise system as the basis, starting from the analysis of the current situation of the legal person management structure, combining theory with practice, from credit cooperatives internal structure and external regulatory environment, and drawing on the successful experience of foreign cooperative financial institutions, putting forward the perfect legal person management structure path selection in our country.The content of this paper consists of six chapters. The first chapter, introduction. I introduces the background, significance and innovation of this paper. Introduces the selected topic background and significance, points out the study methods, the main ideas and innovation point;The second chapter, this paper expounds the connotation and the basic framework of the theory of the legal person management, combined with the rural credit cooperatives governance system in the district of Boshan. I illustrate the current agricultural cooperatives of China corporate governance mechanism and operating rules.The third chapter. I make a brief review of China’s Rural Credit Cooperatives "unified legal" reform process, summed up the reform measures, achievements and problems in each stage of rural credit cooperatives.The fourth chapter. The actual existence of the Rural Credit Cooperatives of China corporate governance problems in operation, including "three will be a layer of operation is not standard, not the formation mechanism of balance of power; private capital managed by the government. The reason can be attributed to:the property right is not clear; the lack of effective incentive mechanism and restriction mechanism; internal control is still difficult to reflect, shareholder rights; administrative control of the Provincial Association.The fifth chapter. Through the development of the United States, Germany, Japan, rural cooperative financial institutions, explain the common points exist in the corporate governance of rural cooperative financial institutions abroad, put forward the successful experience for reference of the rural credit cooperatives in china.The sixth chapter, according to the reality in our country, I put forward the path choice of improving the management of the legal person management about Rural Credit Cooperatives.First, Regulating the stock rights structure, push through sweeping banking reforms, clarify property rights of Rural Credit Cooperatives;Second, establishing the stakeholders cooperatively governance, including the establishment of the Council of mutual governance mechanism, the board of supervisor’s co governance mechanism, access to establish mandatory information disclosure mechanism, improves the rural financial market exit mechanism; promote the establishment of stakeholder interaction the mechanism, thus maximizing the interests of stakeholder’s governance objectives. Third, Strengthen the construction of incentive and constraint mechanism management.Fourth, Improving the external governance mechanism. Including the strengthening policy advocacy, adhere to the rural credit cooperatives service direction and purpose is "three agricultural";The role of local government" in place ",Reduce administrative intervention for rural credit cooperatives; the Provincial Association had better to clear positioning itself and let the right to the grassroots credit cooperatives, The Provincial Association regression industry management functions, thus, The Provincial Association will return to the industry management functions, maintaining the independent of legal status in rural credit cooperatives County (city)。...