Study On The Reform And Development Mode Of China Rural Credit Cooperatives

In the process of many years' reform and research, the Chinese Rural Credit Cooperatives (CRCC) becomes a main part of Chinese rural financial system. So far, however, there are still lots of problems exist in CRCC that greatly restrict its sustainable development. So continue deepening the reform of CRCC and exploring respective model that suitable for different economic conditions, which will show great theoretical and practical significance for both enhancing the function of serving village, agriculture and peasant, and accelerating the construction of new villages.In this paper, on the basis of Marxism rural cooperative economy theory and following some rational factors of rural cooperative finance theory as well as rural finance model theory in the West Economics , the author gives analysis on the status quo, existing problems and essential reasons of these problems of CRCC. Then the author summarizes the successful experience of rural credit cooperatives in western countries and its enlightenment for our financial reform. Based on the discussions above, the author puts forward the general request in the reform of CRCC, then approach to the development methods with Chinese characteristics, that is, trying joint-stock principle in developed areas, joint-stock-cooperative in less developed areas, those developing areas can choose to perfect current cooperative institution. Finally, the author gives corresponding measures to optimize the external environment for CRCC reform.