Japan's Rural Cooperative Financial Its Reference,

Rural cooperative finance (RCF) plays an important role in the finance system in China. Afterabout 50 years development, the main parts of rural cooperative finance棗rural creditcooperatives (RCCs) have large organization nets, abundant fund strength and obvious supportfunction to agriculture development. Besides that, with the decreasing of branches of state -owned commercial banks in counties, in fact, RCCs have been the largest and most completeformal financial system in China rural areas. However, RCCs have to be reformed because ofthe problems of system and operation. The measures of reform come from summary ofexperiences and lessons of 50 years development of RCCs, analysis and discussion onpractical problems, additionally, study the successful experiences of RCF of other countries.This thesis selects RCF of Japan as the starting point of study, analyzes its property rightssystem operation model risk ensure system and development trend, etc., then absorbs usefulexperiences and enlightenment to the reform of RCCs of China.This thesis includes 7 parts.Firstly, induction, this part expounds the background of selected topic, significance of study,content and study methods.Secondly, theory of RCF and its development in the world. This part discusses the basic theoryof cooperative economy and cooperative finance, then analyzes the property right style,distribution style and management style of RCF, finally, summarizes the main models of RCFin the world.Part 3, the system of Japan RCF. This part analyzes the basis of RCF, its property right style,organization system, development process.Part 4 discusses the finance business in details and its characteristics. The study includesfinance business of Agriculture Cooperatives, Pref. Credit Feberations of Agri. Coops, and theNorinchukin Bank. Then, discusses the finance characteristics on base of data. Besides that,this part analyzes the contribution of RCF to economy and society development.Part 5 analyzes the risk ensure system of Japan RCF from 3 aspects: deposit ensure system,mutual support system and agriculture credit guarantee and ensure system.The main content of part 6 is the development trend of Japan RCF with the influence offinance liberalization and the development experiences of RCF of Japan.On the basis of study of former 4 parts, part 7 generalizes the main problems of RCC of China,then summarizes enlightenment on the reform of RCF of China in 7 aspects: necessity ofcooperative system in China, development trend of cooperative finance, organization model ofRCCs, setting up deposits ensure system, function of government, formulation related lawssystem and favorable policies on RCF, etc.