Study On Enhancing The Competitiveness Of The Rural Credit Cooperatives Based On The Situation Of New Countryside-Construction

It's national policy's request as well as the objective demand of rural development, which decides the foundational position of RCC(Rural Credit Cooperatives) support the development of rural economy. Especially after CBRC(China Banking Regulatory Commission) gave an emphasis on the market position of RCC, in which credit loan fund will be put on the behavior of supporting three rural policy, RCC became the main force in the rural financial system played the critical role in supporting the development of agriculture and economy. Under the new situation, RCC not only own the function of policy bank, which have the duty of supporting rural economy's development, but also being an independent legal entity, the pressure of making profits of RCC is increasing. The job of supporting agriculture will be better done only when RCC improve its ability of making profits, which is decided by the objective condition. This paper takes TAIAN RCC as one solid example, and gives one dissertation on the dilemma and solutions about RCC support the development of rural economy.The current state the requirement for financial services of new construction in rural areas , the present status of supporting three rural policy of RCC, and the fact that RCC became main force are firstly introduced in this paper. Then, this paper takes TAIAN RCC as one solid example, making a realistic study of its supporting agriculture and giving a overall assessment of the current situation. The reason of hinders both have the internal factor, and the exterior factor. Among them, the internal factor is the leadership, mainly manifests in the flaw of property right system and the imperfect of internal management system, the exterior barrier mainly manifests in exterior management system return, the lack of deposit insurance system, the guarantee mechanism and market withdrawal mechanism and so on. Therefore, the article proposed, if the RCC wants to develop continually, healthy, and stable, it must grasp the chance of reform. On the one hand, it has to carry on the system innovation, establish the property mode and the internal management mechanism, which enable it to have the persistent effect, the stable management. On the other hand, it has to cultivate the good external environment, including the system environment, legal system environment, policy environment, credit environment and market environment and so on. Lastly this paper draws to the conclusion that it is one systemic project, which needs both a healthily rural financial environment created by some related national department and the RCC' ability so as to harmonizing with the rural economy, about how RCC follow out the request of national policy supporting agriculture while realize the aim of making profits.