The Management Mode Of China Rural Credit Union

The development of rural Credit Union is very important for the question of countryside, agriculture and peasantry. It is also close correlate with construction of widely well-off society.Form autumn in 2003, State Department reformed the rural Credit Union in 8 provinces, signified beginning a new cycle reform in all directions of rural Credit Union. The decision of market economy system problem in Chinese Communist Party sixteenth conference made clear require about deepening rural finance system reform. But, where does the rural Credit Union go.After graduation, I have 8 years work experience in china construction bank, and I borne in countryside, so I have some knowledge in rural finance.Abased on investigating and study of 393 rural Credit Union in AnHui province for 3 months, I search the development direction and mode choose about rural Credit Union, meanwhile I made some advice on police.The basic theory hypothesis of this paper is that the rural finance is very important and key point for developing the rural economy, impersonality now. For developing agriculture and rural economy, it must reform the rural finance system, and the core is property right system reform and management pattern reform. The rural Credit Union have impersonality basic for exist and realism purports, But in fact, the management does not follow the cooperate principle. The working status do not accommodate with the rural economy developing, so must reform the rural finance system on property right system and management mode, set up a new structure and management system.Based on Marxism and New Institutional Economics, this paper uses some resultsof preceding positive research to render a theoretical analysis of modern union financial system. The author attempts to illuminate some issues of practical value, such as origin, the organization structure, the proprietorship of the managerial system and the efficiency of union financial institutions, as well as the proposals for Chinese union financial institutions' reform.There are some achievements in the thesis:1, The thesis gives the answers for the rural Credit Union does not reform as stock company and business mode, from financial exchange cost, system require in our country, require of countryside weak crowd, and the fact working status of rural commercial bank, based on analyzing the produce and development of rural finance. It is the first used the fact working status do not in favor of rural finance developing of rural commercial bank, as a evidence for choosing system of rural Credit Union.2 ,Analyzed and compared management system of rural in other developing and development country, used theory of metric economics, based on a great deal investigating and demonstration, I make a conclusion that Chinese rural Credit Union should adopt a consolidate corporate management system.3 , Based on No1 and No2 conclusion, using demonstration analyses and investigate questionnaire, I summarized some factor for infection increase capital in rural Credit Union.