The Study On The Development Of Rural Credit Cooperatives In Low Developed Area Of China

Rural credit cooperatives (RCC) have developed for more than 50 years in China, and become an important part in rural financial system and contributed much to rural economic developing. But for rural credit cooperatives in China, from the day of their birth, they constrained under the government's leading and acted a political role that violated principles of cooperation such as voluntary help, cooperation each other and democratic management etc. After many reforms, the development of rural credit cooperatives still gets into difficulties. The development of rural credit cooperatives in low-developed area in China faces some deep problems while reforms are ongoing. So it has significant theory and practical meaning for us to research the reform of rural credit cooperatives and find an adaptive way according to the local economic, social and natural situation.Firstly this essay clears the mechanism and applicable objectives of rural credit cooperatives based on cooperative finance relevant theories. Secondly it runs back over the developing history of rural credit cooperatives, reviews situation and problems of rural credit cooperatives of low- developed area in Gansu based on its local economic, social and natural state adopting methods of standardized analysis and real example analysis, points out developing orientation of rural credit cooperatives in low- developed area in china. At last, the essay brings forward instructive and practical suggestions on clearing property right, optimizing corporation governed structure and changing external environment etc.