Reserch On Problems About Rural Credit Cooperatives Supporting Three Rurals

The settlement of three rural issues is the objective requiement to safeguard national stability and build our harmonious society. The economic development can not leave the financial support, the rural credit cooperatives are the main force of rural finance,they are aslo the financial link which ralates farmers,the development of rural credit cooperatives affects the income increase of farmers,the stability of countryside and the development of agriculture. Therefore, it is significant to research the rural credit cooperatives supporting three rural issues.In the introduction of the paper, there are the background and the meaning of the research, the current situation of the research at home and abroad, the methods as well as innovation and the inadequate of this paper. The second part is the research about the relevant theory of cooperative finance and finance supporting the rural economy, it obtains the theoryetical basis of the paper. The third part reviews the develop process and the current situation of the rural credit cooperatives. The fourrth part illustrates the cause of rural credit cooperatives'deficiencies in supporting three rural issues from the internal and the external aspects. The internal reasons consist of the heavy historical burden, the loss of cooperative principles, the imperfect corporate governance, the unreasonable management system and the imperfect financial services. The external reasons consist of the imperfect laws and regulations, the unsound social security system as well as the loss of the social credit environment. The fifth part analyzes the bahavior of cooperative finance in supporting agriculture in Germany,USA,Japan and France and acquires the relvant enlightenment, there are the persistence of cooperative principles, complete law systems, the strengthening of governmental support, the sound risk prevention measures and the diverse financial services. The sixth part put forward the suggestions of the rural credit cooperatives supporting three rurals. There are deepenning the reform of rural credit cooperatives, completing financial services and improving the financial ecological environment.There are three innovations in this paper. The first conclusion is that the chief reason of deficiencies in supporting three rurals is the loss of cooperative principles. This reasons consist of the loss of voluntary principle, the loss of mutual principle, the loss of democratic management principle and the loss of non-profit principle. The second conclusion is that remodeling the cooperative nature of rural credit cooperatives through the re-establishment of rural credit cooperatives with real cooperative nature to enable it serve three rurals whole-heartedly if the rural credit cooperatives want to strengthen the supporting role. The third conclusion is that reforming the management system of rural credit cooperatives, changing the function of the provincial associated cooperatives, canceling the administrative function to enable the provincial associated cooperatives perform the industry self-regulation and service function only.