Study Of Chinese Rural Cooperative Financial System Changes

The economic reform of our country started from rural area and with the advancement of reform, the rural financial system of our country has also started its reform process. However, the change of rural financial system has not been proceeding smoothly like the reforms in other domains. The result is that massive rural fund flows into cities, which has caused the rural financial "losing blood" and the achievement of rural reform has also gradually being losing. Why the rural financial reform has been relapsing many times in past twenty years and is still at the experiment stage now? Obviously, the rural financial problem is worth thoroughly studying. These are precisely the realistic background and significance of this article.Based on the background, this research attempts to adopt such a process: proposing concept and the supposition - forming the hypothesis - empirical examination - analysis of application and concrete - abstract - concrete. The research method is as follows: unifying the historical principle and logical principle, the empirical research and normative research. With these methods, this article studies the change of rural cooperative financial institution of China.Firstly, based on the former studies, this article establishes a theory hypothesis about rural cooperative financial institution of our country with the analysis frame of modern economics. Besides, with the help of the most superior decision-making mathematical model, this article analyzes the financial cooperative demand of peasant households and looks for the possibility of such cooperation with game-playing balancing analysis as to analyze the financial cooperative behavior of peasant households and draws out the conclusion that there exists intuitional demand of financial cooperation.Secondly, from the historical angle, this article combines the changes of rural corporative financial institutions in different periods and studies the changing path so as to find out the intrinsic regularity of cooperative financial institution. For such a purpose, the article discards the governmental politics and regards governmental rationality as the premise. It brings rural cooperative financial institutions into the analysis frame to trace the change of rural cooperative financial institution as to discover the inherent laws. Through the comparative analysis, this article searches the suitable economic and institutional environment for the survival of rural cooperative financial institution and has arrived at the conclusion that " causing change from bottom to top and guiding peasants from top to bottom is the correct way for the rural cooperative financial institution to the develop healthy ". Further more, with this theory frame, his article analyzes the characteristics of rural cooperative financial institutional changes in different periods and intuitional achievements. It points out for the specific political and economic purposes, the government in different times embarks compulsory institutional change from the top to the bottom, which destroys the intrinsic mechanism of cooperative financial institution and this is the main reason that the rural cooperative financial institution can not display the institutional achievements.Thirdly, this article investigates the peasant households directly to obtain the...