| Rural Credit Cooperative of Hunan Province is vital and irreplaceable to the economic of Hunan Province, especially to the rural economic of Hunan Province. In May of 2005, United Credit Cooperatives, which authorized by the People's Government of Hunan Province, was found to execute the management on the Rural Credit Cooperatives in Hunan Province. Although the United Credit Cooperatives has positive effect on the management, coordination, services, some instinct problems of Rural Credit Cooperatives haven't been solved. With the emergence of shortcoming of United Credit Cooperatives, the further reform of Rural Credit Cooperative of Hunan Province is on the agenda.In order to achieve faster and healthier development of rural credit cooperatives, and to provide better service for the rural economic of Hunan Province, the paper takes credit cooperatives as the research object, and analyzes its commercial bank reform. Firstly, the thesis analyzes the deep-seated problems existed in rural credit cooperatives of Hunan Province and explores the conflicts caused by these problems. Then, the reform modes of rural credit cooperatives of Hunan Province are compared and selected, and a commercial bank mode based on union bank can be adapted to the current status of rural credit cooperatives in Hunan Province and can boost the development of the rural credit cooperatives in Hunan Province. Secondly, the environment of the commercial bank reform is analyzed, and a SWOT analysis is conducted, and It is feasible to realize the reform goal of the rural credit cooperatives of Hunan province. Thirdly, the reform schemes are designed and selected. On the basis of the comparison of the three alternative scheme of reform, the paper chooses the scheme of intergrating all credit cooperatives in the city of Changsha, Zhouzhou and Xiangtan as the preferred. Finally, the applied measures, the guarantee of implementation of restructuring and the expected results are analyzed. |
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