The Research On Rural Credit Cooperatives Reform Orientation

Rural credit cooperatives are involved wide rage and high risk industry, its business involves millions of households. The operating quality of rural credit cooperatives is related to the security of the country's economic system directly, related to the stability of the people's lives and related to the results of socialist new rural construction. However, throughout the history of the reform of rural credit cooperatives, naturally character is obviously. It is mainly promote by the government, rather than from the perspective of market demand to carry out the reform's direction of design and promotion.This paper analyses the demand of all kinds of economic entities and rural government agencies at all levels and rural financial needs diverse trends, include by agriculture industrialization enterprises, rural economic organizations, individual industrial and commercial households and farmers and so on. There are new changes and new features to the current economic mainstay of rural credit funds in the demand of the amount, use, duration, frequency, source and investment areas, and there are higher and newer requirements to financial services.Second, the paper analyses the course of the reform of rural credit cooperatives and expound the new round of reforms. Take LaiWu City rural credit cooperatives as a case, to analyze the reform process, the effectiveness of the reform, the deficiencies and problems of the reform. Then, on the basis of this, in conjunction with rural financial demand, analyze the reason of the credit supply shortage and the service function weaken in the condition of Rural credit cooperatives as fresh troops in the rural economic.Finally, project the reform of rural credit cooperatives. First, the objective of the reform of rural credit cooperatives must be clear, according to the reform of property relations and management system, to make rural credit cooperatives can be a autonomy in operation, assumption of the risks, self-discipline and self-development modern financial enterprise. To be a financial market main body that have improve governance, tight internal control, good financial, adequacy capital, sustainable development. Second, adhere to the principle of gradual and orderly progress, deepen the reform gradually; Third , adhere to demand-pull and Flexible patterns, based on the diversification of rural financial service demand, the Reform of rural credit cooperatives should be creative institutional arrangements, should build a not stick to one pattern model, flexible mechanism and rich level rural financial service system. Forth is law firstly, through legislation, to make various types of rural financial institutions' the legal status, nature and the area of services clearly, especially the autonomy of the reform of rural credit cooperatives.At the same time, the paper advances some policy recommendations of the reform of specific. First, separate the functions, carry out the policy operations and the commercial operations separately, peel off the public and quasi-public rural financial services demand, raise the rural credit cooperatives driving force on the market-oriented development; Second, relying on rural credit cooperatives, to further improve the financial service system, add non-formal financial capital into the management and improve the correspondinglevel of financial services demand and supply in rural areas and the efficiency of the service; Third, further complete the corporate governance structure and clarity of property rights, to achieve the ultimate goal of the reform of rural credit cooperatives; Forth, relax the policy restraint of the lending rate's ceiling, promote the scientific pricing of rural credit cooperatives, to achieve the good match of revenue and risk. To create the innovative structure and mechanism advantage, in order to form competitive advantage in the market-oriented reforms; Fifth expand the services function and advance the service levels, to adapt to the need of China's opening up, international and market-oriented.