Shandong Province Rural Credit Cooperatives Reform Mode

This article first briefly reviews the history of rural credit cooperatives reform and development in Shandong Province, and detailed analysis about the present situation of the current development, on this basis, it is concluded that China’s rural credit cooperatives are widespread problem such as functional organization can’t restrict each other. In other financial body out of the rural financial stage, narrowing the scope of the rural financial support environment, rural credit cooperatives reform becomes more and more urgent. Shandong province is a big agricultural province, rural population, the agricultural economy occupies an extremely important position, the reform of rural credit cooperatives more need to get enough attention. Then, this paper briefly introduces the rural financial development present situation of Shandong province and the current status of share reform of rural credit cooperatives, points out its existing problems, and the three models in the process of the pilot reforms the pros and cons analysis, obtained relatively suitable for Shandong rural credit cooperatives reform mode, and puts forward to establish the overall plan of rural commercial bank in Shandong province. Finally, to deepen the reform of rural credit cooperatives of Shandong province put forward some policy Suggestions, for their reference.This paper contains six parts, the first part is about the introduction, including research background and significance, research ideas, research methods, articles and innovation framework and deficiencies. The second part is about the literature review, it mainly outlines some discussions on cooperation between domestic and foreign cooperative Finance. The third part is about the reform of rural credit cooperatives and reform of historical review, from the start of development of rural credit cooperatives in Shandong Province, frustrated atrophy, fully restored, standardize the development of the four stages of review, noting that problems such as history in the development stage a heavy burden, a narrow range of services, lack of effective policy support, property relations confusion, issues debt structure of a single through five areas. The fourth part is about the reform of rural credit cooperatives in Shandong Province selectable modes analysis, combined with other provinces reform mode analysis, came up with cooperative, joint-stock cooperative, joint-stock reform of the three models and analyze their strengths and weaknesses. The fifth part is about to deepen reform of rural credit cooperatives in Shandong Province, the development of future vision and policy recommendations, on the basis of the fourth part, combined with joint-stock reform of rural credit cooperatives in Shandong Province, pointed out that there is any equity transform a mere formality and unreformed legal entities such as the reform process heavy resistance problems and the reasons put forward to establish a unified legal Shandong Province agricultural businesses mode, and propose specific measures to strengthen self-construction and optimization from the external environment in two ways. The sixth part is about the conclusion, the need for reform of the rural credit cooperatives, rural credit cooperatives reform model of choice to local conditions and further support innovation and encourage agricultural businesses mode summarizes the development in three areas.