Research Of Legal Issues Of Rural Credit Cooperatives Restructured To Rural Commercial Bank

As an important part of China's rural finance,rural credit cooperatives have undergone many changes since its establishment.They have constantly adjusted their forms in the socialist market economy in different periods in order to adapt to social development.They have played an extremely important role in supporting peasants'production,life and revitalizing rural construction.Compared with other financial institutions,rural credit cooperatives have their own particularities.The four major state-owned banks and other financial institutions in China have their headquarters first,and then branches.Therefore,they can be governed strictly according to the governance model of parent and subsidiary companies.Rural credit cooperatives are formed from bottom to top,with township credit cooperatives first,and then county-level cooperatives.A legal person is then invested by the county-level associations to form municipal and provincial-level associations.The provincial and municipal associations,which are formed,in turn,enjoy leadership over the county-level associations in terms of appointment and removal of senior managers,salary system,management and so on.The position of the Provincial Association has always been the local agency of the provincial government.The Provincial Association has always been managed in accordance with the "state-owned enterprises" and the senior managers are appointed by the provincial government.However,there is no state-owned capital in the rural credit cooperatives.The business license of the rural credit cooperatives is "collective ownership" in nature.However,from the perspective of the structure of equity capital,it has not been.Shares of "collective" do not match the nature of management and enterprise.All the reforms of rural credit cooperatives have paid more attention to the definition of their organizational forms,but their management system has not been well discussed.The disorder of management has led to a series of problems.With the rapid development of rural credit cooperatives,non-performing loans remain high,regulatory indicators continue to deteriorate,and case risks frequently occur.The problem.The restructuring of rural credit cooperatives has once again become a hot topic and trend.At present,the restructuring of rural credit cooperatives has entered a critical period.Based on the reform practice of Yunnan Rural Credit Cooperatives and their county-level credit cooperatives,this paper analyzes the self-orientation,ownership structure,management system and corporate governance structure of the credit cooperatives,and probes into the rational orientation of legal nature,clarification of property rights structure,reform of management system and optimization of corporate governance of the reformed agricultural and commercial banks.The importance of the structure,ultimately improve the commercial bank system,stimulate the vitality of agricultural and commercial banks,promote the development of agricultural and commercial banks.