Research On The Problems And Countermeasures In The Reform Of Rural Credit Cooperatives In Henan Province

The old economic problems in our country have been basically dealt with after entering the twenty-first Century,and they are gradually stepping into the "new normal",and the economic changes are stable.However,the new characteristics of our macroeconomic imbalance are accompanied by the negative effects of inflation and inflation.The risk of an economic downlink to a certain degree.Therefore,China has comprehensively pushed forward the structural reform of the supply side,and has begun to focus on the reform of agricultural supply side structure.As the core of contemporary economic development,finance will also play a huge role in supporting the construction of modern agriculture.Considering the downward trend of the current economic situation and the weakening of capital liquidity,the commercial banks in China are facing the problems of declining profits and slow growth,and the support for the financial industry in the "three rural" and "small micro" may be weakened.As one of the major contributors to the rural financial industry,the rural credit cooperatives,as one of them,always promote the growth of the "three rural" and support the small and micro development goals,making an important contribution to the development of our country's rural economy.After more than 60 years of development,China's rural credit cooperatives,although the external performance is cooperative system,but in fact already embarked on the road of commercialization,as of now,most of the rural credit cooperatives have been converted into commercial banks.Henan Province,the big agricultural province of our country,has always paid great attention to the development of rural economy.The rural.credit cooperatives in Henan have also developed greatly in this context,and the pace of reform is steadily advancing.However,there are still many practical problems,such as insufficient financial supervision,strong administrative color,and stocks.The problems of lack of right structure,defects in corporate governance,lack of risk control,lack of soft power construction,single financial business development structure and lack of innovation in agricultural and financial products.Based on the problems and Countermeasures in the reform of the rural credit cooperatives in Henan Province,this paper uses the methods of literature analysis and field investigation to explore the current situation of the reform and development of the rural credit cooperatives in Henan province and the existing problems,and then,according to the characteristics of these problems,find out more appropriate countermeasures and suggestions.The main measures are to strengthen the internal and external supervision,improve the financial supervision system,establish the moderm banking management concept system,improve the internal control mechanism,and build a new enterprise culture,in order to make the reform more effective and promote the development of rural economy.