The Development Research Of Rural Credit Union In The Progress Of New Rural Construction

Developing the financial support is the core of the moderm economy,which is also the important support of development of rural economy too.The rural economy's developing continuously,agricultural industrial structure adjustment, peasant's income increasing,and speeding up the development of process and pool in urban and rural areas of urbanization of villages can't leave the strong support of organizing in modern finance.It is deep system reform in countryside of our country that the socialist new countryside is built.It is the overall requirement for rural economy,social development in our country too.So building the new countryside needs to deepen the rural system reform including the system of the rural development fund supply. It is an important route to provide safeguard for the system of new rural construction,and the of sources the motive force of the agriculture and rural development too.The rural financial support of social development is insufficient.It is the present agriculture and important restriction factor of rural economy development, which is the important problem to be solved in the process of building the new countryside too.And solving the rural finance the insufficient problem involves the rural banking system including the reform of rural credit office in an all-round way,so the problem of solving the rural credit office is offering the valid thinking for rural financial reform in the future of our country.At present,the rural credit office is the absolute leading strength of the supply of the fund in the rural regular development.For many years,in order to solve" the 'Three Rural' Issues ",the rural credit office have regarded it as its direction.It plays an important role in the financial support of the rural government utility in our country and has made enormous contribution for the development of the basic unit of our country.After our country implementing new rural construction,because of the problem of the fund in developing the countryside of our country,the position and function of the rural credit office have been embodied again.So solving the rural credit office's own problem,not merely has important meanings in the insufficient problem of financial support of development,which builds positive impetus to the new countryside of our country too.Since 2003," the rural credit office of Jilin Province involved in the volume of agricultural loan supply every year,took more than 90%of the total input of agricultural loan of financial institution of the whole province.In 2007 it supports 2,670,000 peasant households,covering 70%of the peasant household's loan supply and reaching 11,700 yuan per family.Jilin Province Rural Credit Office becomes the important strength of dwindling the disparity in urban and rural areas, promoting coordinated development,and constructing of the socialist harmonious society".(the Daily of Jilin) TheRural Credit office of Jilin Province is worthy of the name supplying fund for the rural development,and getting in touch with government in the party in peasants' financial bridge and tie.Though the banks of villages and small towns and medium and small-scale rural financial organizations such as the loan company,etc,will play a positive role too in promoting new rural construction,but conscientious study to supply with the rural development problem of credit office of the mainstay as the rural development fund at present,can help to discuss how to give play to the rural credit office well in process in the new countryside.It will undoubtedly have more direct and more far-reaching realistic meanings for building the new countryside of our country.This text explain the problem of China Credit Office at present in detail and rural history of credit office,taking rural credit office of Jilin Province as an example especially,and using a large number of data to explain that achievements made since 2003 and the existing problem and proposing the suggestion on the reform of next stage for helpful reference of development of rural credit office.Because of complexity and particularity in the rural development problem of credit office in China,only with the present sociology theory it is difficult to explain relevant problems accurately.So,this text has drawn support from the beneficial achievements of more other disciplines,especially the relevant theories of economics in order to improve the application of the sociology theory in the finance.