Study On The Reform And Development Of Rural Credit Cooperatives In Inner Mongolia Autonomous Region

Rural credit cooperatives are the local financial institutions which service to the development of the agriculture, peasants and rural economic, and it is an important part of China's financial system. In recent years, Inner Mongolia Autonomous Region's Rural credit cooperatives achieved great results in accordance with the special geographical situation, through the effective financial services, and actively helping peasants and herdsmen increasing their incomes. But the Inner Mongolia's Rural credit cooperatives is also far from the aid of real cooperation according to The Five Principles of reform of Rural credit cooperatives and the general state of the financial reforming.Through studying on the cooperative credit system at home and abroad, this paper finds some problems which are shortage of funds, lack of services, non-equilibrium problems of the credit's location. Then some suggestions are given, such as, expand debt sources, adjust the use of structured assets, reduce fewer non-credit assets and non-interest-bearing assets, maximize agricultural loans. Finally, it concludes that the only way of the reform's Rural credit cooperatives is that cooperativizes Rural credit cooperatives really.