Study On The HuBei Province Rural Cooperative Finance Institutions Organization Design

Finance plays a key role in modern economy, and it also gives an effective support in developing modern agriculture and constructing new socialism countryside. Occupying finance market of rural areas, finance cooperation is most important to the revolution of rural finance. Many people in academic field as well as in practice are concerned about the development of finance cooperation now. Under this situation, it is very important not only in theory but also in practice to discuss the transform and innovation of rural finance cooperation and construct better finance cooperation according with rural reality.By applying the AGIL mode of Parsons'structure function theory and part of relative finance function theories, combined with the development of finance cooperation in reality of Hubei province, this research analyzes the finance demands of the farmers in Hubei province and the outside environment, the structure and the efficiency of finance cooperatives. At last, the article talks about the suggestions of the development of finance cooperatives. The main contents in this article are as follows:Firstly, through analyzing the cognize, attitude and financing demands of the farmers in Hubei province, the conclusions are as follows:1.The farmers are unclear of cooperative finance because of the restrictive ways to know of it. Their understandings are limited to rural credit cooperatives and cooperative foundations. They are lack of understandings to fund mutual cooperatives and other finance cooperatives; 2.Farmers complain the service of finance organizations. It seems impossible to finance enough funding because of lacking of mortgage and acquaintance relations in rural areas; 3. Fund loan is common between farmers and becomes more and more popular as the supply of regular finance is deficient; 4. The private loan representing by interest-free loan in Hubei is still located in primary stage and isn't used in the area of farming but used in the area of consumption expend especially in building, education of children and medicine.Secondly, through analyzing the outside environment, gross and structure of the finance cooperatives, the article concludes that there are some problems in rural finance cooperatives in Hubei province such as unreasonable structure, deficiency of function and not enough motives, for the reason that the system, economy and culture are special in rural areas such as the small-scale farming by individual owners and the traditional land emotion. At the same time, through analyzing the normal cooperative finance and private loan efficiently, the paper discovers that the situation of rural economic development and the characteristics of endogenesis operation decide the fact that private loan is more efficient than normal cooperative finance. But there are also some restrictions in the efficiency of private loan, that is, it will face the high exchange cost and the opportunity cost if breaking the contact.Thirdly, in this part, by considering the macro and micro aspects of rural cooperative finance in Hubei and applying the Parsons'function analysis mode of AGIL, the paper type the rural finance cooperative from the dimensionality of systematism and standardization, as well as according to the difference of development levels. The research points out that as a organization continuum of "prefix organization-private organization-normal organization", farmer's finance cooperatives are in different development levels and seized of different service objects and service goals along with the different outside environment, but they can't be replaced by each other. They will exist in rural areas for a long time as a part of rural finance cooperatives to satisfy farmers'demands in different levels.