Study On Rural Credit Cooperatives Financial Service Of Hebei Province

Agricultural in Chinese has always been a key industry. In the new period, the Party and the country developed of new agricultural planning. "Agriculture,Rural,Farmer" As China's policy for four consecutive years, the No. 1 Document, from 2004 to 2007, fully reflecting the state of agriculture, farmers, rural of importance, but also reflecting the Party and its leaders determination of changing the old agriculture,rural and farmers. Rural credit cooperatives support rural economic development of financial institutions. At the beginning, rural credit cooperatives undertook the important task of the rural development, after years of development, rural credit cooperatives in rural areas has become a major financial institutions and source funds of rural economic development. Rural credit cooperatives as the most rapidly developed, and it employed the most workers, the most extensive coverage of the rural financial institutions, will play its unique role. Although rural credit cooperatives with more unique advantages, but at the new situation, it is also facing an extremely harsh competition. Slightly better state, survival of the fittest, in order to hold onto their own field, and make our own growth, to achieve the victory of the competition, which must need the rural credit cooperatives, play to their strengths, potential change slightly. Therefore, this article in the rural credit cooperatives financial services point of view, the future of the long-term development of rural credit cooperatives, and has important theoretical and practical significance.This article based on domestic and foreign financial services theory, by the investigation of Hebei Province, and in the field of the data reflected by farmers ,summary and analysis the credit to the rural areas of Hebei Province for the development of cooperation as the research background, research Rural Credit Cooperative of Hebei Province financial services, by theory of rural credit cooperatives financial services aspects were analyzed from the perspective of the practice of rural credit cooperatives human capital construction, business assets, liabilities, operations, business development and the intermediate and so on, analysis, then summary. Meanwhile, farmers and credit balance between supply and demand: If the business assets, liabilities, business, intermediary business, and it employed the services of rural credit cooperatives in the hardware and software facilities, research, by Logistic model, we found that additional services Variety, improve service quality, such as improved loan, the interest rate and amount, in accordance with arrange for agricultural insurance, and consumer credit business, building electronic network of rural financial system, and create a modern means of financial services to better meet the farmers on the rural credit cooperatives financial products demand. Recommendations from the actual conditions of rural credit cooperatives and credit unions in their own capacity to the extent possible within the scope of farmers to meet the need for change. Moreover, on the basic of domestic and foreign financial institutions experience of successful development, we can expect of its inspiration from the rural credit cooperatives in Hebei Province on the future direction of the development of financial services and priorities, and to make appropriate policy recommendations.