Study On The Commercialization Reform Of Rural Credit Cooperatives In Hunan Province

Rural credit cooperatives play an important role in driving rural economic development,promoting rural financial progress,perfecting rural financial market and enriching rural financial products as a special financial institution for rural areas and facing farmers.Since 2003,the state began to rural credit cooperatives for their own system,historical legacy and other issues to promote rural credit cooperatives to better serve the three rural,to support rural construction.Hunan Rural Credit Cooperatives actively cooperated with national policies and implemented a series of reform measures in 2010.Hunan Rural Credit Cooperatives undertook commercialization reform in 2012.Some city and state credit cooperatives were gradually reorganized into rural commercial banks,and their commercial reforms Has it reached the goal? How's the effect? What are the dilemmas in the reform process? How to further reform and innovation urgently study and solve.Therefore,this paper chooses the commercialization reform of rural credit cooperatives in Hunan province as the research object.After reading through a large number of literatures,the method of qualitative analysis and quantitative analysis,normative analysis and empirical analysis is adopted.The paper analyzes the development process and the theoretical basis of the reform of rural credit cooperatives in Hunan Province,and then discusses the practice of commercialization of rural credit cooperatives in Hunan Province,including the exposition of Hunan province The prerequisite and basis of the commercialization of rural credit cooperatives and the main measures in the process of practice;Thirdly,the paper analyzes the effect of the reform,and analyzes the effect of the reform of the rural credit cooperatives after the reform of the rural credit cooperatives in Hunan Province,the evaluation of the business performance,the evaluation of the agricultural service and so on.On this basis,The author points out the dilemma faced by the commercialization reform process of rural credit cooperatives in Hunan province,which mainly has the contradiction between commercial management and policy support agriculture,the difficulty of realizing one level of corporate governance,the competitive pressure among the industry,the internal control management level and Finally,the author puts forward the countermeasures and suggestions from the four aspects of the above difficulties,which provides a reference for the commercialization of rural credit cooperatives in Hunan Province,and has very important practical significance.