Research On The Development Strategy Of Rural Credit Cooperatives In Hengyang

Rural credit cooperatives as by the masses of peasants voluntary contribution of financial organizations,the main task is to raise funds for the idle,to provide financial services to agriculture,farmers and rural economic development.In recent years,the development of rural credit cooperatives in support of the development of rural areas,and gradually become the main force of rural finance.But there are still many problems in the system,supervision,service and so on,which restrict the development of rural credit cooperatives.Hengyang rural credit cooperative is a local financial enterprise which provides financial services for agriculture,farmers and rural economic development.It is an important part of the financial system of Hunan province.Since the pilot reform in 2003,Hengyang rural credit cooperatives have developed rapidly.The rural credit cooperatives in Hunan have made great progress in deepening the reform of property rights system,improving the structure of corporate governance,transforming the operating mechanism,strengthening the incentive and restraint mechanism.However,the reform and development of rural credit cooperatives in Hengyang is still very arduous.Property rights is not clear,corporate governance structure is not perfect,the management responsibility is not implemented,and so on the Hengyang rural credit cooperatives as the core of the development of financial enterprises,the core issue has not been fundamentally resolved.In view of this,this paper is based on the development of rural financial reform and rural credit cooperatives in Hengyang City,select system,supervision,service three aspects,the use of relevant theory,field research and analytic hierarchy process,Hengyang rural credit cooperatives and the status quo and explore the impact factors of rural credit cooperatives in Hengyang city.Finally,we should improve the present situation of rural credit cooperatives in Hengyang by six aspects:focus on equity,clear property rights,strengthen supervision effectiveness,improve service quality,improve service quality and improve service level,and promote the efficiency of rural credit cooperatives in Hengyang based on sustainable development.