The Research Of Rural Cooperative Finance Development In New Era

Finance is the core of modern economics, and the construction of a new socialist countryside can't go without the support of financial support. Nevertheless, Chinese farmers, especially from undeveloped areas, still have many problems to solve urgently, such as hard in borrowing money from financial institutions. All these problems suggest that our rural financial service can't fulfill the needs of the construction of a new socialist countryside.Experience of foreign development showed that, rural cooperative finance is the effective measure to support rural economic development. But for a long time, Rural Credit Cooperatives, which has been the principal force of rural cooperative, still have problems such as system-indistinct after several reforms. Its services have been margined from the goal and orientation of serving the farmers.In light of above circumstances, this paper considers rural cooperative finance as the mail research objective, anatomizes the characteristics of cooperative finance , proves that development rural cooperative finance is the urgent needs of the construction of a new socialist countryside.The key to this paper is the third and forth section, after the research and study to Zibo Rural Credit Cooperatives, the author reached follow results: insufficiency problem exists in current rural credit cooperatives reform performance, besides; problems also arise in system design, organizational structure, management and operating system. Its monopoly role also restricts its creative ability and lowers its service standard, which is hard to satisfy the demand of rural economic development.Based on mentioned points, the author points us that the rural credit cooperatives' reform should be deepened in the orientation of cooperative system with the tenet of serving the farmers, countryside and agriculture. In addition, new kind of rural cooperatives financial organizations should be set up steadily according to practical circumstances and the folk cooperative financial organizations should also be regulated and developed, such as community mutual fund organization. The author advises that a new outer-support system for rural cooperative financial development should be built and perfected too, especially; the government should do some jobs in respect of favorable policy, perfect legislation, credit record system making, financial supervision and farmers' training in order to promote the healthy development of Chinese rural cooperative finance.Lastly, this paper summarizes the successful experience of foreign cooperative financial development, referenced for rural cooperative finance development of China.