Research On Shanxi Province Rural Finance Cooperation

In the21st century， the government has been highly concerned about the "threerural" issues. After years of policy and funding support of China’s rural cooperative hasestablished an effective financial system finance " three rural" issue has been resolvedeffectiveness: China’s rural economy has made great progress in the level ofagricultural land has been extremely earth raise farmers’ income level has beensignificantly improved. But it needs to see is China’s rural financial problems，thereare still a lot of specific performance is difficult to get to meet the financial needs ofrural dualistic economic system under " abstraction " effect and other rural financialresources are still restricting the development of China’s rural economy.Rural exist at present obvious " financial repression " phenomenon. China’s ruralcountryside against a weak foundation under our current demand scattered， unevenlevel of agriculture， adopt cooperative financial system is inevitable， endogenouschoices. China’s rural cooperative financial institutions is the main financial system， ithas a mainstay role in providing financial services to rural areas. China’s currentfinancial system， including formal cooperation cooperation of financial institutionsand non-formal cooperative financial institutions: refers to the formal financialinstitutions in rural credit cooperatives； non-formal financial institutions refers RCAs， Rural Mutual Aid Association and other agencies. Rural credit cooperatives in thecountry after decades of wind and rain， after the four major reform stage tribute inrural financial services. But there are still many rural credit cooperatives ownproblems， such as unclear property rights， manage backward. In recent years，rural credit cooperatives serve the "three rural " policy and ensure profitable businessconflicts become apparent， to the end of August2013restructuring of rural creditcooperatives has155rural commercial banks， rural cooperative banks210. How dorural credit cooperatives and commercial policies will continue to be positioned after aresearch topic. There are in the informal private lending cooperative financialinstitutions， farmers union funds， these institutions are small， scattereddistribution， but the financial needs of rural areas provides a great help for rural credit cooperatives funds is much larger than the size of loans scale lending.Based on the study of the cooperative financial experience combined with nationalconditions and abroad， from the formal and informal cooperative financial institutioncooperative financial institutions to study these two aspects of the cooperative financialsystem. Construction of the future in the rural cooperative financial system， and fromformal institutions and informal institutions to build both a scientific and moderncooperative financial system. Specific path: In economically developed rural areas，the gap between urban and rural economic level has been little， rural creditcooperatives can be joint-stock reform， rural commercial banks or rural cooperativebanks to guarantee the continued profitability of rural credit cooperatives； in theeconomically underdeveloped rural areas， the gap between urban and rural economiclevel is still very large， still need to keep the cooperative nature of rural creditcooperatives to protect the financial needs of those in rural areas.For non-formal financial institutions， should not be suppressed， banned，and should face their presence status to be its guide and strengthen legislation to makereasonable supervision and cooperation with the formal financial institutions constitutethe country ’s rural cooperative financial system to serve our country contribute to ruraleconomic development.