The Research Of Rural Credit Cooperatives Reform And Development Of GuangDong Province

The development of agriculture, the progress of countryside, the increase of farmers'receives can't leave the rural economy development. The rural economy development needs the support of rural finance. Rural Credit Cooperatives (RCCs) is our country's rural finance main army, in the process of provides the financial backing for the rural economy full scale development, displaying the main body and the foundational function. Since founding of the nation, in more than 50 years development course, as a result of management system unceasing vicissitude of RCCs, adds on its own management have many insufficiencies, accumulated a series of questions: the property right relations is undefined; the legal person govern structure not to be imperfect; the management system is not suitable, the authority and the responsibility are not clear; the management mechanism ossifies, in controls system not to be perfect; historical cloth wrapper is heavy, the property quality is not good, the latent financial risk is big. As a result of above questions, seriously restricting RCCs's health development, thus causes the agricultural investment growth to be slow, the agriculture labor productivity is unable to rapidly enhance. Promotes the RCCs's health development is the key point of our country finance reform all the time, reform's successful or not directly relates our country's agriculture and the rural economy whether can continue fast to develop, as well as the major issue whether the farmers increase the income and so on. Therefore, studies the RCCs's reform regarding to change the RCCs's current whole management difficult condition, promotes its health development, causes it effectively to serve to "three agriculture" has the positive significance.The reform of RCCs is a complex question that has many arguments in the theory and the practice all the time. This article has first analyzed domestic and foreign regarding the cooperation finance fundamental research, in this foundation, has analyzed the founding of the nation, RCCs's four main development phase of the 50 years development. Next, has analyzed the current international finance development pattern: German pattern, American pattern and French pattern. These three kinds of different development pattern reforms to the current reform of RCCs has the positive significance. Once more, in view of a series of questions of RCCs in 2003 before the reforms, pointed out the key point of RCCs's reform lies in the defined property right, consummation the legal person govern structure. Regarding the present stage of RCCs's reform model choice, existence the argument of the cooperation system, the stock cooperation system, the joint stock system, as a result of the local difference and imbalance of our country's economy development, in the opinion of this article, selects what kind of reform model have to act as circumstances permit, fully considered the local economy level of development and RCCs's management condition, chooses the suitable property right reform pattern. Finally, in the analysis of the current already finished reforms of experiment site first stage work's obtains, pointed out the insufficiency of the RCCs's current reform, on these insufficiencies, proposed concrete solution with deepens the policy suggestion of the RCCs's reform.