Study On The Supervision System Of Rural Credit Cooperative In China

The Rural credit cooperatives is an important part of rural financial system, which plays a vital role in the rural economic development, especially in the service of rural areas, agriculture and farmers, and therefore, has always been subject to national attention. However, since the commercial reform of the bank, the high cost,high risk and low income of agricultural loans caused the rural capital to flow into cities cause seriously imbalance of rural financial. What’s more, the rural finance turned to rural credit cooperatives, and the state-owned finance had completely quit,which state has increased the burden of credit cooperatives. At the same time, the system of rural credit cooperatives is relatively more difficult to control, which seriously hinders the development of rural economy. Therefore, to strengthen theresearch on the supervision system of the rural credit cooperatives, not only can understand the problems in the supervision, but also can put forward appropriate solutions to the existing problems. That also the purpose of this paper. This paper is divided into three parts: introduction, text and conclusion. In the introduction, the background of this thesis is summarized, and the practical significance of the supervision system of rural credit cooperatives under the background of new rural construction is introduced, and the research trends at home and abroad are introduced.The main body is divided into three chapters. The first chapter is the explanation of the basic theory of rural credit cooperatives, which is from the legal nature of rural credit cooperatives and regulatory functions. The second chapter mainly discusses the development status of rural credit cooperatives in China, and analyzes the outstanding problems in the implementation of the supervision system. Mainly for the market access mechanism, exit mechanism is not perfect, and the function of regulatory agencies is not well played. Based on the previous research, the third chapter puts forward the suggestions of improving the supervision, which is divided into two parts:in order to improve the market access supervision system; in the process of supervision, to improve the legal system of rural credit cooperatives. The conclusion is the summary of the whole paper.