Study On Commercial Bank Rerormation Of Rural Credit Cooperatives In Inner Mongolia

In the situation of economic globalization, the rapid development of national economy, China as a developing country, the economic strength of steady growth, the national product has been rising year by year, has been close to the level of developed countries. We are well aware that the economic development is to get considerable momentum, not only from the macro regulation and control in the financial system, but also rely on the various aspects of the financial system, which need to be adjusted and adapted to the rapid development of economic wave tide in various economic fields. Inherent, single, traditional financial system of various drawbacks increasingly prominent, and the problem of rural credit cooperatives is the most significant. Therefore, in order to the national economy can develop healthy and sustainable development, the Commercial Bank of rural credit cooperatives reform is imperative.Rural credit cooperatives in the rural financial system in China plays a role of mainstay, farmers and herdsmen mainly depends on the deposit and loan business of rural credit cooperatives support and protection. And rural credit cooperatives in our country, from its inception on shoe step dimension difficult development, although bearing the rural the vast majority of financial responsibility, it can basically meet the financial needs of rural areas, but due to the internal and external such as holes in the absence of national policy, the lack of funds, management system, supervision system of absence reasons, resulting in rural credit cooperatives in terms of property rights, management, business and credit there are a lot of problems, these problems not only directly affect the development speed and scale of rural credit cooperatives, but also indirectly affects the vital interests of the farmers in the rural areas and basic rights. Therefore, the reform of rural credit cooperatives has become an urgent need to solve the problem of the different regions of different levels of credit cooperatives for commercial reform, not only related to the national economy and the "three rural" issues, but also for the rural areas and even the country’s economic development has created an essential condition. Through understanding the actual situation and the statistical data of rural credit cooperatives in Inner Mongolia, this paper analyzes and evaluates the necessity, feasibility and specific policies of reform, and points out the problems existing in the reform, and analyzes the reasons for the problems.