The Rural Credit Cooperative Joint-stock Reform Research

The rural credit cooperative union is China's rural financial services chain is a key ring,played an important role in supporting agriculture and rural comprehensive development,promote the adjustment of rural economic structure,revitalize the idle funds in rural areas.In 2003,the State Council issued a notice on further deepening the reform of the rural credit cooperatives,established according to local conditions,the principle of guidance,guide the agricultural association management system and accelerate the reform of property right system,better play the role of financial ties with peasants,promoting the coordinated development of rural economy in town.August 2011,the China Banking Regulatory Commission issued a joint stock system reform plan,made in line with the requirements of the agricultural cooperatives will be restructured into agricultural firms.In this paper,the P County Rural Credit Cooperative Association(hereinafter referred to as P County Agricultural Association)is studied as the research object.First of all,according to the definition of the joint stock system reform target and the choice of the mode,the paper summarizes the domestic and foreign research,which is the base of the research.Then,this paper introduces the basic situation of the domestic P County Agricultural Association,the association analysis find problems in the property system,governance structure,risk control,financial services,and the necessity and feasibility of reform analysis;secondly put forward the reform scheme of liquidation of assets,old shares,clear ownership structure,governance structure system,etc.,and effectively solve the problems of agricultural cooperatives;thirdly,the key link in the process of the implementation of focus on reform,and a preliminary prediction of the effect of the reform;finally,put forward some specific countermeasures and suggestions to deepen the P County agricultural union restructuring from three aspects to improve the modern enterprise system,improve the management level,strengthen risk prevention and control ability.