The Study Of The Mode Of Rural Cooperative Economic Organiz Ations Participating In Financial Service In Zengcheng

Rural finance and the building of rural cooperative financial system have been hot issues in domestic and foreign researchers and governments. Our exploration began late in this aspect, we began a pilot reform of rural credit cooperatives in2003, and quickly launched in the whole country, but not satisfactory; promulgating of the2007CBRC "rural fund cooperatives model statute" has opened up a new path of the development of China’s rural cooperative financial organizations, the establishment of rural cooperative financial system and competitive rural financial market.For the past six years, we carried out various useful exploration and trying all over the country, in this case, exploring the mode of rural cooperative economic organizations’ participating in the financial services has positive effects on developing the promotion of China’s rural cooperative financial. Based on financial repression and financial deepening theory, asymmetric information theory, pecking order theory, and the relations of production to adapt to the productivity theory, this paper outlined the development situation of rural cooperative economic organizations and their participation in financial services, analysed the problems and causes of rural cooperative economic organizations’ participation in financial services deeply in Zengcheng, combined with the success of the domestic and foreign rural cooperative financial experience, put forward the three modes of rural financial services for the developing in Zengcheng:the mode of Credit Union&Cooperative", the mode of "Cooperative&Supply and Marketing Cooperative&Commercial Bank", the mode of "Mutual Funds Cooperative&Guarantee Company",and finally consider that we should adhere to the principles of cooperative and diversity of financial development,regulatory timely follow-up to circumvent the policy and operational risks and focus on personnel training and scientific management in the process of cooperative economic organizations to participating in financial services in Zengcheng.