Research On The Performance Of Rural Credit Cooperatives Of China

From 1978,the beginnging of Chinese structural transformation has openned the door to the rural financial reform。Recalling the history of China's reform of rural credit cooperatives., the reform of rural financial market development process is the consistent to the rural credit cooperative reform and the rural finance system reform。In 1996, the State Council issued the "State Council's decision on rural financial system reform", proposing the "cooperative system according to the principle of re-regulation of the rural credit cooperatives," "restore the cooperative nature of the rural credit cooperatives," "Rural credit cooperatives and the Agricultural Bank of China separated from the executive subordinate relationship ", and on this basis, establishing cooperative financial organizations. In 1999, the national work conference on rural credit cooperatives, proposing to set up county (city) association. Jiangsu Province conducted a pilot reform of rural credit cooperative in June 27,2000, From 2003, the State Council issued the "pilot program to deepen the reform of rural credit cooperatives," starting the rural cooperative financial system in a new round of reform.. In this reform program, the People's Bank launched three new property rights system innovation mode, on the basis of the existing cooperative systeml。Thus,a cooperative financial system, based on arrangements in the field of rural credit cooperatives mutation out with a variety of property characteristics of the financial institutional arrangements. In 2005, the People's Bank carried out the plan, including Shanxi, Sichuan provinces and autonomous regions, including five small loan company pilot。From now on, our country has initially formed the Agricultural Bank of China issued commercial loans, policy-oriented Agricultural Development Bank granted loans, rural credit cooperatives are in accordance with the principles of cooperative system。This small loans by commercial finance, policy, finance, cooperative financial division of labor in the rural financial system。 This paper is divided into five chapters, frame structure is following as this:IntroductionThis chapter outlines the topics of this paper the background and significance; puts forward the theoretical,which is the base for the reform of rural credit cooperatives, in order to make a full analysis of foreshadowing. Recalling the theory of literature circles, and has done a brief evaluation; summary of the research content of this article, and research methodologies。ChapterⅠ:the history of reform of rural credit cooperatives and Characteristic AnalysisThis chapter describes the process of reform and opening-up reform of rural credit cooperatives,based on the analysis of the reform of rural credit cooperatives operating conditions of the system features and characteristics of the changes, but also the effects of the current round of reforms carried out a preliminary assessment, which summed up China's rural credit the special nature of the community。ChapterⅡ:Performance Evaluation System Reform of rural credit cooperatives as well as the indicator selectionThrough analyszing the foreign experts and scholars in the establishment of financial institutions rating system,this paper summed up the achievements and shortcomings, combined with the special background of China's rural credit cooperatives, rural credit cooperatives reached in this paper on the reform of the framework for system performance analysis。ChapterⅢPerformance Evaluation of the reform of rural credit cooperatives in Sichuan ProvinceDescribing the background of the reforms in Sichuan Province, policy, motivation, the process of reform and measures. the reform of rural credit cooperatives performance evaluation index system, from property rights reforms, results of operations of the state, farmers loans to meet the level of state funding allocation of rural credit cooperatives to analyze the situation before and after the adoption of the reform of rural credit in Sichuan Agency, longitudinal data comparing the effectiveness of the reform of rural credit cooperatives in Sichuan and the analysis done on the issue,a comprehensive evaluation of the effectiveness of the reform. ChapterⅣrecommendations and conclusions.This chapter is mainly meant to deepen the reform of rural credit cooperatives in Sichuan Province, the problems encountered and the further development of the direction of reform put forward its own policy proposals, and concluded by the points and surfaces:Sichuan Province, some of the typical questions and suggestions are also applied to other major agricultural province.