A Mode Research Of Cooperative Financial Institutions On How To Support Rural Vulnerable Groups

With the expansion of income differential between city and countryside and the pushing of harmonious social advancement, our problem of rural vulnerable group becomes more and more extruded. Because of its character of supporting, cooperative financial becomes the main force. However, the system of cooperative financial in our country has not been maturated, how to support rural vulnerable groups is still a problem. This article strives to study on the mode of how cooperative financial institutions supporting rural vulnerable groups, using the methods of the theoretical analysis, the real diagnosis analysis, the historical analysis, the comparative analysis, and the qualitative analysis.The thesis is expanded through two lines, based on the summing-up of rural vulnerable groups and cooperative financial institutions, the analysis of rural vulnerable groups'financial supply and demand, and the economical analysis of cooperative financial institutions. The first line is cooperative financial institutions in our country, and the second line is cooperative financial institutions in foreign countries.One emphasis of this thesis is the efficiency of cooperative financial institutions in our country. There are various kinds of organizing forms of our cooperative financial. Rural capital cooperative, rural cooperative foundations, and private finance have been considered for comprehensiveness, besides rural credit cooperative, which seen as main force of rural finance. While operation condition of these institutions have been discussed,further analysis have also been down on their deficiency.This is the realistic foundation.The other emphasis is the supporting mode of cooperative financial institutions in foreign countries. Modes in United States, Germany, Japan, and Bengal have been also analyzed separately. International trend of cooperative financial has been concluded, and there is international use for reference and enlightenment to China. That is the theoretical foundation.Combine with our actual situation, besides advanced experience of foreign countries, the tropism about the mode of how cooperative financial institutions supporting rural vulnerable groups are obtained. Rural capital cooperative would be adhering to strict cooperative system, it may be real cooperative financial institution. Rural credit cooperative should choose different patterns according to diverse levels of economy in different areas, and there are three systems you could choose: stock, stock cooperative system,and cooperative system.Private finance need to be collaborated or legalized. Meanwhile, new cooperative financial institutions might join in to intensify the competition to strengthen competitive between cooperative financial institutions, and that's beneficial for their development. Finally, some specific advices are given to exterior condition about how to enhance the performance of the mode.