On The Regulation And Supervision About Capital Adequacy Of Rural Credit Cooperatives In China

Rural credit cooperatives are the main force in China's rural finance,and its agencies are in our urban and rural areas, which support rural economic development, meet the financing needs of farmers and play an irreplaceable role. As the problems of rural credit cooperatives'operating, coupled with changes in the external economic environment in the late 1990s, rural credit cooperatives were in large losses and their capital adequacy ratio dropped year after year. Many rural credit cooperatives had negative capital adequacy ratio. To effectively prevent rural credit cooperatives operating risks and safeguard the stability of the financial system, this thesis makes the study on China's rural credit cooperatives capital adequacy regulation. The thesis analyses the current status and inadequate supervision of China's rural credit cooperatives, and analyses the advanced experience of foreign capital adequacy regulation as well. After the analysis of adverse impact on China's rural credit cooperatives caused by capital adequacy regulation, a conclusion is drawn. The conclusion is that high capital adequacy standard isn't fit to China's rural credit cooperatives now. A flexible standard is more perfect to them according to their current conditions. And then a regulation model is set up, which includes regulatory main body, regulatory methods, system of regulatory indicators, and regulatory measures. Finally, some countermeasures about capital adequacy regulation are put forward.The thesis contains six chapters.Chapter I Introduction. This chapter includes the background of this subject, purpose, significance, research conditions on capital regulation, the latest developments, research methods, and some possible innovations.Chapter II China's rural credit cooperatives capital adequacy regulation analysis. Firstly, the development process of China's rural credit cooperatives capital regulation is introduced. Then analyses the deficiencies of current system of regulatory indicators, the deficiencies of regulatory standards, methods and policies. Finally, analyses the constraints impacted on China's rural credit cooperatives capital adequacy regulation.Chapter III Rural credit cooperatives capital adequacy regulation international...