| Rural finance have a positive impact on the rural economic and social development. Rural credit cooperatives have become an important part of rural finance, especially after the Chinese state-owned banks backed out of the rural financial market. Rural credit cooperatives developed well after several reforms. The Government paid more attention on them. Rural credit cooperatives had started a new round of reform after the State Council promulgated the Experimental Plan for Deepening the Reform of Rural Credit Cooperatives in 2003. Under the background of the deepening of the rural credit cooperative reform, the research on regulatory and supervision systems of rural credit cooperatives is not only good for Rural Credit Cooperatives'self-improvement, but also help to make a prosperous and stable rural financial market, especially after the world financial crisis. This paper first analyzed the regulatory and supervision systems of the previous reforms of rural credit cooperatives, then identified the character of rural credit cooperatives form the perspective of the regulatory and supervision. At last, it analyzed the problems of the regulatory and supervision systems of rural credit cooperatives and put forward the measures. The purpose of this paper aimed at making a little contribution to the research and legislature of the regulatory and supervision systems of rural credit cooperatives.This paper has three parts. They are the foreword, the body and the conclusion.In the part of foreword, it first sketched the underground of this paper and the purpose and meaning of the regulatory and supervision systems of rural credit cooperatives. Then it analyzed the current situation of the regulatory and supervision systems of rural credit cooperatives. At last, it briefly stated the content, the demonstration ideal and the creativity of this paper.In the body part, there are four chapters. Chapter One analyzed the development trend of rural credit cooperatives based on the historical reform. There are two parts. The first part introduced the previous reforms of rural credit cooperatives. They are the co-operative period, the people's commune period, the Reform and Opening up period the market economy period and the new period. Second, on the basic of the information on historical facts, it analyzed the tendency of the reform was that the supervisor got more reasonable and the democratic rights of the members got more protection. This was also the direction that rural credit cooperatives would head forward.Chapter Two are about the theoretical foundation of the regulatory and supervision of rural credit cooperatives. There are two parts. The first part analyzed the legal character of rural credit cooperatives. It first analyzed the different regulations on the meaning of rural credit cooperatives in different periods. Then it stated three understandings of the legal character of rural credit cooperatives. In the end, it clearly put forward the author's opinion. The second part analyzed the theory of rural credit cooperatives. This part identified the meaning and range of the regulatory and supervision of rural credit cooperatives in the financial perspective and gave the premise of this paper. .Chapter Three analyzed the problems of the regulatory and supervision systems of rural credit cooperatives. It is divided into three parts. The first part analyed the shortcomings of the supervision of the inspection organization and governments in the perspective of the supervisor to illustrate the necessity of social supervision. The second part analyzed the disadvantages of the supervision of market access and the lack of market exit mechanism. The third part discussed the shortcomings of China's current legal systems.Chapter Four discussed the improvement of the regulatory and supervision systems of rural credit cooperatives. This is the core of this part. It divided into four parts. The first part made clear the supervision ideal of rural credit cooperatives. This was the foundation and direction of the specific systems, including the combination of supervision, leading and supporting and encouraging the financial creativity. The rest parts respectively gave the suggestions on the aspects of the supervisor, the contents and regulations.The conclusion was the summary of this paper. |
