Research On Sustainable Development Of New Rural Mutual Fund Organizations

As the rural economic development accelerated,rural financial demand has undergone great changes.The past policy of financial,commercial financial institutions can not meet the financial needs of rural areas,The rural credit cooperatives,as the monopoly of rural finance,abandon the cooperative property and choose the commercial operation,inadequate supply of rural finance has become increasingly evident.At this point,the new rural mutual fund organizations came into being.Since the first new rural fund mutual fund organization produced in 2004,it has experienced the development of exploration,formalization and vigorous development.As a rural cooperative financial organization,it has taken the cooperative finance mission.Based on the game theory analysis method,this paper puts forward the contradiction between the supervision of the regulatory body and the new rural mutual financial organizations,the financial services supply and the financial do not match,"credit big" and "ordinary farmers" status asymmetry.These contradictions seriously restrict the sustainable development of the new rural mutual financial organizations.Learn from the experience of foreign rural cooperative financial organizations,we need to optimize the financial environment,improve the internal operation mechanism,improve financial innovation in three areas to promote its sustainable development.In order to serve the rural areas better,achieve real economic development in rural areas,provide the necessary financial services.At the same time to improve the rural financial system,it is necessary for the new rural mutual fund organizations to achieve sustainable development.