The Choice Of Reform Mode For Rural Credit Cooperatives In Our Country

The rural credit cooperatives are the main force of rural finance; they are also the financial link which relates farmers. Deepening the reform of rural credit cooperatives in our country, not only affects the stable and healthy development of rural credit cooperatives, but also affects the overall situation of development of agriculture, income increase of farmers and the stability of countryside. It is that to be building a socialist harmonious society of the objective requirement. Therefore, the Rural Credit Cooperatives has to seek the most suitable development model in the course of reform.This article analyzed the course of development of rural credit cooperatives and features, pointed out the effectiveness of the reform and the system deficiencies of rural credit cooperatives and posed to the need of deepening the rural credit cooperatives. Then the article investigated the mature cooperative financial organizations of Germany, Holland, US, France, and Japan, analyzed the form of cooperative financial organizations and the major features. Thus it announces the new emerging trends of the development of cooperative financial organizations in these countries and poses to the successful experience of the western developed countries for China's reform of rural credit cooperatives in the mode of choice of reference and inspiration. Later, at first, the article pointed out the reform of the basic principles and targeting before putting forward for the different levels of economic development in the reform of rural credit cooperatives in China. Meanwhile, because the system of rural credit cooperatives recycling model is a long-term and complicated systematic project, the need gradual, progressive place, we can not over-anxious, so will the aims of the reform is divided into short-term objectives and long-term objective.Then, from the vertical division of our country, representing different levels of economic development in the East, starting with the western part of the analysis of the status quo, against the actual situation and then put forward for the region's economic development level of the reform of rural credit cooperatives model. In conclusion, the article pointed out that if the reform model for the effective functioning of China's rural credit cooperatives to achieve sustainable development, reform is bound to use the opportunity to cultivate a favorable external environment, including institutional environment, legal environment, policy environment, credit and market environment and so on.