Research On Rural Credit System Construction Of Qujing Rural Credit Cooperatives

Credit is the foundation of market economy, social credit system is an important institutional arrangement of market economic system, the lack of social credit has become a major obstacle to economic and social development. “Agriculture, Rural Area and Farmers” is a major economic and political issues in China, related to the overall well-off society, to solve the “Agriculture, Rural Area and Farmers” problems cannot do without the support of rural finance. Finance is the core of economy, the construction of rural credit system is to improve the rural financial service ecological environment, "an important means to solve difficulties in Financing Agriculture", is the key and core of deepening the reform of rural financial system, improve the rural credit system is the foundation of the system of rural financial sustainable development, and also an important guarantee for the control and prevention of rural financial risks is essential. Rural credit cooperatives is the main force in rural finance, is the main builders and users of the rural credit system.Rural credit cooperatives is the earliest, the largest network of China was established, the most extensive support services, the largest local financial institutions, long-term rural roots, services in urban and rural areas, support for small and medium enterprises, and actively promote the local economic and social development. Long term since, our country rural credit system, the lack of rural financial ecological environment is fragile, the rural financial services is weak, severely restricted the development of rural economy. Eighteen party 3 in plenary meeting makes a fateful decision to deepen the reform of comprehensive, clearly put forward the development of Inclusive Finance and the integration of urban and rural development objectives. The existence of this thesis intends to choose Qujing city rural credit cooperatives to create credit Rural Problems in practice and the results achieved as an example, through vertical and horizontal comparison, the problem of rural credit system construction research. Agriculture belongs to the first industry in the national economy, which is in the basic position, is beneficial to the people’s livelihood of the fundamental. The integration of urban and rural integration including integrated elements of the financial, service, education, market etc.. To create a good rural credit environment is the objective requirement of the development of agricultural modernization, is the development of inclusive financial and realize the integration of urban and rural development important guarantee, is also the objective need of the sustained and healthy development of rural credit cooperatives. To accelerate the construction of rural credit system, is helpful to improve the farmers’ credit consciousness, improve the rural financial environment and social environment of public security, reduce the cost of rural economic main body financing, promote rural financial institutions to increase efforts to support the "three rural", for the state and local government economic policy implementation to create a good credit environment, boost the development of the integration of urban and rural areas. The construction of perfect rural credit system and promote the further reform of rural credit cooperatives is a great strategy of mutual benefit and win-win, is of great theoretical and practical significance to study this problem.In this paper, through the background of the agriculture and the financial industry reform and development goals of rural credit cooperatives reform development, agricultural modernization and the integration of urban and rural development goals and the party, the Third Plenary Session of the eighteen comprehensive reform of certain major issue decision is introduced, the significance of the study raises the question of the rural credit system construction; based on summarizing literature analysis and construction of credit system on the theory, obtains the theory basis to improve the rural credit system construction; to the rural credit cooperative credit creation practice in villages of Qujing city as an example, analysis of the construction of rural credit system construction present situation and existence problem, put forward the rural credit system construction scheme, finally draw the conclusion.According to the above research ideas, this paper is divided into the following six parts.The first chapter is the introduction, introducing the research background and significance, the relevant research literature at home and abroad, and puts forward the research thinking, the paper structure, research methods, contributions and prospects.The second chapter is the credit system construction of the theoretical foundation, the definition of credit and credit system related to the concept of credit and credit system, concludes the related theory, analyses the important role of the rural credit system construction, laying the theoretical foundation for the research in the following chapters.The third chapter is the construction of credit system present situation analysis, a brief analysis of the foreign credit system construction present situation and the experience and enlightenment, a comprehensive analysis of the domestic credit system construction present situation, the existing problems and shortcomings.The fourth chapter analyze the creation practice of rural credit village in Qujing City, the basic situation and the rural credit cooperatives villages and create conditions, practices, with the Qujing city rural credit villages and create the experience and problems, in-depth analysis of the social effects of rural credit Township create made.The fifth chapter designs an improved scheme for the construction of rural credit system, based on the analysis of the previous four chapters, puts forward the principle, train of thought and way of the rural credit system construction, the construction of rural credit system design scheme.The sixth chapter verified improved scheme. Summarizes the main conclusions drawn in the research, put forward the suggestion on the problem of rural credit system construction.This paper uses a new method combining normative research and case studies, the use of credit theory, transaction cost theory and the rural financial theory such as theoretical analysis; the use of finance management and statistical data model of the sample case analysis, find out the existing problems, and puts forward the scheme of rural credit system construction, the final draw relevant conclusions and suggestions. In this paper, many scholars both at home and abroad on the basis of research results, combined with their own work practice, the problems of rural credit cooperatives in the rural credit system construction has carried on the exploration research, is a problem of the rural credit system construction of a new exploration, puts forward a new idea for the rural credit system construction. Main contributions of this article: one is to analyze the rural credit system construction of the existing problems and causes; Second, through theoretical analysis sums up the theoretical foundation of the rural credit system construction; Three is in reference on the basis of predecessors’ research results, the rural credit system construction scheme is proposed. The part of theoretical analysis, on the basis of the existing theories and methods on the construction of credit system, the definition of related concepts of credit and credit system and the rural credit system, through the analysis of relevant theories on credit, put forward the credit system construction scheme of rural credit cooperatives. The part of case analysis, rural credit cooperatives in Qujing city to participate in rural credit village creating practice as the example, analysis the rural credit system construction achievements and existing problems, through comparative analysis the conclusion of the study. I have long been engaged in management work in the rural credit cooperatives, involved in credit village in Qujing city to create the work organization and leadership.In this paper, many scholars both at home and abroad on the basis of research results, combined with their own work practice, the problems of rural credit cooperatives in the rural credit system construction has carried on the exploration research, is a problem of the rural credit system construction of a new exploration, puts forward a new idea for the rural credit system construction. Main contributions of this article: one is to analyze the rural credit system construction of the existing problems and causes; Second, through theoretical analysis sums up the theoretical foundation of the rural credit system construction; Three is in reference on the basis of predecessors’ research results, the rural credit system construction scheme is proposed.The rural credit system construction is broad, big regional differences, unbalanced development, this article selects the sample data of time and space is limited, the problems of the rural credit system construction research has certain limitations, to be in the future in the work and study, in a more solid theoretical basis, more broad academic vision and abundant sample data further in-depth study.