Review Of Rural Credit Cooperatives In Northwest During Nanjing National Government

Credit cooperatives as the main form of the Nanjing National Government to implement the rural cooperative movement is an important part of the new lending institutions. It is the connection between the bank and farmers borrowing, it is an important of rural credit. Therefore, it is closely related to the majority of farmers. In view of this, the research of credit cooperatives has been brought to the attention of scholars, emerged a large number of scholars, writing works. However, credit cooperatives research has obvious regional imbalance. This study of the northwest credit cooperative has less attention and lack of systematic. In this paper, at the background of the northwest region of the Republic of China to Shanxi,Gansu,Ningxia,Qinghai, using the method of combination of social history and economic history based on the detailed investigation of the historical background and the rural cooperation movement credit cooperatives lending situation, through the analysis of the relationship between farmers borrowing, further analysis the performance and deficiency of credit cooperatives lending activities, so that readers have an overall understanding of lending activities of Nanjing National Government during the northwest credit union. This paper mainly adopts literature research, comparative analysis, quantitative and qualitative analysis. The thesis is divided into three parts:The first chapter, mainly introduce the overview of the development of the northwest rural cooperative movement. Including the background of rural cooperative movement and the progress of the rural cooperative movement.The second chapter,describes the credit cooperative’s mode of cooperation, including the source of borrowed funds, the object and purpose of loan and pattern of lending, and focus on the analysis features of credit cooperatives in northwest of lending activities. First, the time of establishment is late, but the development is fast. Second, the farmers’loan proportion is less than the national average. Third, the membership is priority to the rich peasants. Fourth, the lending purposes are different.The third chapter, mainly describes the performance and problems of credit cooperatives lending activities in the northwest. Credit cooperatives as an important part of the new lending institutions, provides farmers with funds, to a certain extent, active the rural finance, break the dominance of usury in the rural credit system. But its emergence and development is not the result of the development of rural economy itself, relying too much on external conditions, also make its lending activities have little effect.