Study On Development Of Rural Credit Cooperatives In Hebei

Reform of the rural financial system requires the development of Rural CreditCooperatives objectively, which is the Objective needs of sustainable development of ruraleconomy and the objective need for building new socialist rural areas. With the continuousdeepening of the reform of the financial system and the development of the marketeconomy, especially since the 2003 round of deepening reform of the Rural CreditCooperatives, Rural Credit Cooperatives has begun to show the vitality flourish. However,the financial system has lagged far behind in economic development, despite the normsand reform of Rural Credit Cooperatives. In practice has long been accumulatingdisadvantages are gradually exposed. In this context, the development of Rural CreditCooperatives has practical significance.Inland-Related studies are more focused on the macro perspective, the lack of specificregions of the main and specific analysis and summary. In this study, we will define thegeographical scope of Hebei, a survey on rural household, the development of Rural CreditCooperatives in Hebei. First, we explain the research topic, the research present situation,the research mentality, the research technique and define the relevant concepts to lay thetheoretical and practical basis after. Second, the analysis of the present development ofRural Credit Cooperatives in Hebei, inspect the whole course of development of RuralCredit Cooperatives in Hebei. From the size of the Rural Credit Cooperatives, asset quality,operating efficiency and quality of services in four areas were analyzed respectively. Andlay down a good foundation for the questionnaire study analysis of the demonstrationanalysis of the norms in the after text. Then on the basis of the normative research toinvestigate Hebei Rural Credit Cooperatives services, which is part of the core research.Take a large amount of data and results of the survey, rural household from the perspectiveof Rural Credit Cooperatives for farmers in the important position of financial services,Rural Credit Cooperatives exist reflect the lack of financial services, and deal with theproblems of deep-seated reasons for analysis of the final policy proposals for thedevelopment of Rural Credit Cooperatives in Hebei. Through the above research andanalysis, for Hebei, the Rural Credit Cooperatives play an important role in rural banking.The Rural Credit Cooperatives is the main channel for financial services, but the services still can not meet the needs of farmers', there are many problems: farmers getting loans,the loan-to-deposit "scissors" seriously, and the low level of services, many of thecontradictions are intertwined. In view of the problems of Rural Credit Cooperatives, cometo the defects of the property right system, a sound corporate governance structure andmanagement system is imperfect, and operating mechanism is not flexible. Relaxedexternal environment for the development of deep-seated contradictions and problemsarising in the Rural Credit Cooperatives are the root causes of service. Finally, the contextmade some countermeasures for the future development of the Rural Credit Cooperatives,while some ideas in the current system and Economic conditions, there are certaindifficulties in implementation yet to test the theory and practice of gradual improvement.However, the urgency for reform, we still have to keep working hard to promote it, andexplore more realistic to reasonable approach to achieve common development of the ruraleconomy and Rural Credit Cooperatives.