Research On The Management System And Its Efficiency Of The Rural Credit Cooperative Society

According to the assignment of the Party Central Committee and the State Council, recent years, the work on further rural credit reform and management improvement, etc has been developing like a rising fire everywhere and has achieved remarkable effect. However, due to many-sided reasons, the property right ownership of rural credit cooperative society and management system have not be resolved well yet. How to further reform and improve the management system of rural credit cooperative society to strengthen its developing reserve strength is a realistic problem, as well as a heated topic discussed in present sphere of learning.Scanning fifty years, developing history and reform practice of our nations rural credit cooperative society, it is clear to be found that the management systematic reform has gone through several ups and downs, covered many detours. The rural credit cooperative society has been all along on a passive footing, no matter management by local government or agricultural bank in the past or supervised by China banking regulatory commission nowadays.The bank supervision is a matter of practice .The supervision theory developed as the development of practice. On the basis of referring to related dissertations home and abroad, this article uses methods of comparison and illustration, emphasizes on the combination of theory and practice. Taking the experiences and failures during the development of bank supervision system home and abroad into account, the paper tables several useful proposals about the innovation of supervision system in our country.Further reform of rural credit cooperative society is to classify the relationship of property right, reinforce restraining mechanism, establish shareholder or cooperator's system of multi-gradation and multi-type, build up share money's capitalization and share right dispose diversity and energize the development of rural credit cooperative society according to the requirement of the state Council's The Program Of Experimental Unit On Reform Of Rural Credit Cooperative society. The key problem of reform is establishing clear property right system. By the historical review of rural credit cooperative society, this thesis analyze the defect of property right system onpresent stage and propose the reform direction of property right in rural credit cooperative society.The reform of rural credit cooperative society started from Jiangsu province has taken a solid stride forward. In the reform, there are three patterns as followed: emerge rural commercial bank, rural cooperating bank and legal person of united credit cooperative society. These three patterns is the realistic choice in the self-development of rural credit cooperative society, as well as the demand to meet the financial services in economic development. Through the analysis on the advantages and disadvantages of these three patterns, this thesis will put forward the proposal to make further improvement. On the basis of contracting analysis, it will propose the general requirement to construct the property right of complete credit and ideal target of rural credit cooperative society reform.The whole thesis is divided into four parts:First part: The source and changes of management system in rural credit cooperative society. This part will review the developing history of the framework of organization, management system and form of organization and initially outline the developing process of our nation's rural credit cooperative society. This section will also analyze the management structure and systematic background of our nation's rural credit cooperative society on present stage.Second part: The analysis on management system and its property right of rural credit cooperative society. This part will probe into the general concepts about property right of rural credit cooperative society, review the developing process of rural credit cooperative society property right, analyze the defects of it and propose the standard property right of rural credit cooperative society and its exi...