Research On Rural Cooperative Finance In China

China is a giant nation of agricultural.The issue of agriculture,the countryside and farmers is about building a moderately prosperous society in all respects,especially in the overall situation of poverty alleviation.Because of the urban-rural dual structure,rural economic development is generally lagged behind the city,main show is the imbalance of development level of productive forces,unbalanced production elements configuration,urban and rural residents income gap.Comrade Xi Jinping pointed out that "finance is the blood of the modern economy".Therefore,if the economy wants to develop,finance needs to go ahead.But from the actual situation,the following two questions also exist in the rural financial development:one kind of the issue is that about reality,include the low reputation of farmers organization,farmers' social status is low,farmers loans difficult,etc.;The other category is the orientation problem,which includes the development of rural finance mainly in commercial finance or co-finance,and the endogenous development of the rural areas and the development of the outside development.In view of the situation of the rural financial development,general secretary of the central committee Xi Jinping in 2013,points out that "rural finance is still a problem,the key to solve this problem is to in the top design,system and mechanism to encourage farmers cooperation financial pilot,suited to the characteristics of the rural financial system".In this dissertation,we study the problem of rural cooperative finance,the object of the research is mainly within the farmer cooperatives or collective economic organizations to carry out mutual aid,built-in financial essence is the same.The content of the research is carried out cooperative fund loan business,on the basis of the production,supply and marketing,credit "trinity system" of comprehensive cooperative launched a preliminary exploration.On the one hand,analysis of combing the development of cooperative economy thought and basic theory of cooperative finance,policy finance,commercial finance,and contrast the informal finance,the new type of rural financial support agriculture status and inadequate;On the other hand,the authors went to Hebei,Henan and Jilin provinces to conduct research,and the collected first-hand materials,which laid the foundation for the completion of the dissertation.This dissertation is divided into eight chapters.The first chapter introduces the background and significance of the topic.This dissertation makes a definition of the basic concepts involved,puts forward the research idea,method,and constructs the basic framework of the research.The second chapter,combed the cooperative finance development history and research status at home and abroad,basic connotation and development mode of cooperative finance,cooperative finance development and economic development relationship,cooperation financial property right system and so on were summarized.Chapter three illustrates the development process of cooperative economic thought,the theoretical basis of cooperative finance and the main stage of the development of Chinese cooperative economic thought.These theories have had a positive impact on the development of rural cooperative finance.The fourth chapter,first compared the main characteristics of the main body in the rural financial demand and credit demand,next to the main body in the existing rural financial supply,especially for the new type of rural financial institutions(small loan companies,village Banks,farmers money support)was analyzed,and the operating conditions and the status;The fifth,sixth and seventh chapters are the core of this article.The fifth chapter focuses on the impact of rural cooperative finance on rural social and economic development.Research by the author to Hao Tang village PingQiao xinyang area Henan as an example,using the empirical analysis,studies the how to develop the internal financial to realize farmers' income,expand the collective economy.At the same time,the dissertation analyzes the promotion role of the built-in finance for the accurate poverty reduction.Chapter six,the central comprehensive service from the Document NO.1 of the Central Government for the policy of "trinity system" basis,through the author's field investigation in Gongzhuling county Jilin province,farmers cooperative association called Bailin farmers union,credit cooperative,supply and marketing cooperative experience in the start-up phase of the innovation,development of the " trinity system" is the farmers cooperatives in the right direction,"combines unification" is the sublimation of "system" in the dual operation system and the end-result;Chapter seven,the author visited Pingshan county,Shi Jiazhuang,Hebei province.In the current background,farmers cooperation union has not yet under the legislation,the illegal financing as the main means of "social" cooperation and the farmers' internal financial is defined,the difference between the farmers cooperatives cooperation are proposed.Finally,an objective analysis of the formation mechanism of rural cooperative financial risk is analyzed,and the strategies of how to better prevent risks are presented.Chapter eight,according to the experience of the abroad and other parts of the enlightenment to our country development of rural cooperative finance,improving the cooperative management system and the comprehensive service functions of rural finance,from the aspects of laws and regulations,the relevant policies are proposed;Chapter 9,conclusion and prospect.Altogether,in this dissertation,the following conclusions are presented:firstly,the development of rural cooperative finance,inside the farmers to carry out mutual funds conforms to our country rural economic development,especially can effectively solve the problem of farmers' production business "loans difficult",this is the problem for the commercial financial organization.Secondly,the farmers cooperatives and illegal fund-raising for the boundary of the club to do the basic definition,adhering to the three principles of credit cooperation that closeness,conduct business,interest sharing(bottom line),the three principles will reduce risk to the greatest extent,also won't fall into the trap of raising funds illegally.The development of rural cooperative finance will not only increase the income of farmers,but also strengthen the collective economic organization and improve the governance of the party organizations at the grassroots level.Thirdly,the development of rural cooperative finance is on the carrier of cooperatives,To carry out mutual aid inside the farmers,the direction of the cooperative overall development is take the credit as the core,a supply and marketing,production as the guarantee,actively develop the production,supply and marketing,credit "trinity system" comprehensive cooperation."The trinity system"comprehensive service,not only solved the farmers internal production,and solve the consumption,also save a large amount of the transaction cost.At the same time as the effective ways to poor areas farmers get out of poverty;Fourthly:the development of cooperative finance is critical from the experience of Japan,the development cooperatives for farmers cooperatives is the task for the government to carry out the agricultural rural economic development policy of gripper.Finally,on the one hand,through the establishment of farmers cooperatives association,as connection cooperatives at all levels,the other party to increase of the cooperative policy support and encouragement,guiding itself in the direction of standardization.