The Study On The Development Of China’s New Rural Cooperative Financial Organization

Throughout the domestic and international economic development, whether in developed countries or in developing countries by domination of the market economic system of agriculture, there are a variety of new rural cooperative financial organization, the impetus to the rural economy posed by this new germination of new financial cooperation organization believe that everyone already obvious to all. The new type of rural cooperative financial organization, which is a new type of medium and small sized financial institutions with the aim of providing financing services for the members, is to raise the capital stock or deposit as the financing cost and to follow the principle of the cooperative economy. However, the evolution and development of China’s rural financial organization seriously lagging behind the development of the Chinese economy as a whole, can not effectively play to rural economic role in promoting, and hindered the rapid and healthy development of the entire national economy in a certain extent. How to consolidate current new rural cooperative finance and development results, ensure this opened a new model to health, good development and make sure to include greater share in the rural economy, provide adequate funds and advanced technology support for China’s economic backwardness in rural areas, for the fulfillment of "three rural issues" to resolve to make important contribution is the new rural cooperative financial organizations need to consider the problem. The introduction of new rural financial cooperation organization reflects the development direction and development path of rural financial reform in China, is conducive to the sustainable development of rural finance, must be Chinese financial history is a great attempt. The foreign research on rural cooperative financial constraints mainly concentrated in the rural financial market, financial theory, policy and legal effect of these four aspects. In addition, there is "local" the abroad research for the new type of rural financial organizations, the scope of the study focuses in research on financial institutions within their countries, so the development of current our country new rural financial organization can’t excessive dependence and copy of the foreign system shall be on the basis of reference to retain its "unique" to form their own development model.This article embarks from the practical point of view, on the basis of previous research, define China’s new rural financial organizations in addition to the traditional rural financial organization, formal and informal new rural cooperative financial organization and poor village mutual financial organizations. Considering the current development of our country at the present stage of the new rural cooperative financial organizations, reasonable methods of normative analysis and historical analysis combined with the analysis method of horizontal and vertical comparison,systematic exposition of the new rural cooperative financial organizations in China history, said the problems in the development process, and try to illustrate the current situation of China’s new rural cooperative financial organizations from the formal rural cooperative financial organization, informal rural cooperative financial organization perspective, and through the analysis of the current status of rural finance in developed countries such as Germany, Japan and the United States to support their ideas to the advanced experience at home and abroad to provide countermeasures and suggestions strong practical for the development of new rural cooperative financial organizations in china.