Study Of The Policy Orientation Of The Property Right System Reform Of Rural Credit Cooperatives

The systematic reform of property rights of rural credit cooperatives is the key of the management system reform of rural credit cooperatives. The management system of rural credit cooperative in China even had been reformed several time,but it all had done nothing about the property rights system or avoided the reform of it, inevitably causing the dilemma of the rural credit cooperative reform ,which greatly hinder the development of rural credit cooperatives .It is necessary to probe and study the property rights system reform of rural credit cooperatives through the cooperative economy theory and the property rights theory .It is of great theoretical and realistic significance.The article, on the basis of the cooperative economy theory and the property rights theory, deeply analyzes and studies the reality, shortcomings and harms of active property rights system of rural credit cooperatives, and clear the aim, principles and requirements of property rights system of rural credit cooperatives. Finally, the basic idea that to reform the property rights system of rural credit cooperatives will be put forward.This article consists of four chapters:Chapter 1 reviews the cooperative economy theory, the cooperative finance theory and the property rights theory, the author explains the essence and characteristics of cooperation finance and property rights, then points out that the property rights of rural credit cooperative consists of two parts: original property rights which are owned by associate and derived property rights which originates from rural credit cooperatives.Chapter Ⅱ analyzes the characteristics, shortcomings and harms of active property rights system of rural credit cooperatives. The author points out that the active property rights system of rural credit cooperatives is the key problem in the reform of rural credit cooperative property rights system because it hinders the management and development of rural credit cooperatives.Chapter Ⅲ discusses the aim, principles and requirements of the property rights system reform of rural credit cooperative. The author thinks that the property rights system reform of rural credit cooperative should be in adherence to the principles of cooperation, on the basis of definite right property and distinct duties, ensuring democratic management and targeting to serve the needs of farmers, agriculture and countryside.Chapter Ⅳ puts forward the idea that is to reform the property rights system of rural credit cooperative. Firstly, the entity of property rights should be made clear, the stock rights structure should be reconstructed. Secondly, the effective inside structures administered by legal bodies should be established and perfected. Thirdly, the risk precaution and compensation mechanism should be established. Lastly, it is how to reform and innovate the relevantly organizational system and operational mechanism.There are three innovations in this article:According to the cooperative economy theory, the cooperative finance theory and the property rights theory, it deeply analyses the characteristics, shortcomings and harms of active property rights system of rural credit cooperative, and discusses the aim, principles and requirement of property rights system reform of rural credit cooperative, which make firmly theoretical basis for the property rights system of rural credit cooperative.The article deeply probes and studies the property rights system reform of rural credit cooperative, and puts forward the scheme of stock rights structural reform.The article probes and studies the reform and innovation of corporate governance structure, risk precaution and compensation mechanism, organization system and operational mechanism. This is of considerable guiding and practical value.