Pengshan County, Rural Credit Cooperatives, For Example, The Sichuan Province, Rural Credit Cooperatives Reform

In the end of the 1990s,after government---owned commercial bank contracted managing radius and withdrew from rural financial region,and tidy up to the rural cooperated fund association .Through several years of development, now the rural credit union has become active financial market in rural region, major rural financial power and financial ligament associating with peasants ,by providing financial service for rural economy development, the agriculture boost production, the farmers'income. Impersonation rural finance service, reasonable to run satisfactly by private capital in small enterprise, support county area economy development of importance role.The problems that had been piled from many years became the obstacle of making the rural financial credit association develop and supporting local economy development.The problems are :"The property right is not distinctive.The structure is not perfect.The inner control is not systematic.The administrative system not right .The influence of history is deep.The government system is not right.The danger existing is still high。In 2003, the central government set the Experimental scheme of Deepening the Reform of the Rural Credit Association,draw back the prologue of a new the rural credit union reform. The rural credit union reform firsty began in shandong,zhejiang,guizhou……provinces. In 2004, The rural credit union reform extensioned 21 provinces including Sichuan province.The purpose of reform is to renovate credit union's property right system at corporation , reason agreeable management system, conversion of the rural credit union management mechanism, strengthening the rural credit union management vitality in order to achieve the goal of"buy mechanism by money". From the rural credit union reform beginning to now,it has obtained some results.But there still are problems in the property right which is not distinctive,structure is not perfect, property quality is not good , electronical balance of accounts is low ,the support from the Government is not enough…….could not reach the goal of the rural credit union reform。According to this kind of present condition, this text analyzes the present condition of the rural credit union reform in Sichuan province, the author expects that the research of this text can play a certain reference positive role to the rural credit union reform.The text is divided into 4 parts :The first part: The background of studying the rural credit union reform by analyzing our rural credit union elaborated in the financial system and the function in the rural economy. Elaborating the meaning of of the rural credit union . Review the development of our our rural credit union reform.The second part: Elaborating the condition of the rural credit union reform in Sichuan province.Take Peng shan county for example, it shows the result that has obtained in the rural credit union reform in Sichuan province.The third part :Ttake Peng shan county for example, it analyzes the existent problems"the property right is not distinctive,the structure is not perfect, the property quality is not good , electronical balance of accounts is low ,the support from the Government is not enough……".The fourth part: the paper put forward the suggestions and countermeasures.