Case Analysis Of Rural Mutual Cooperative's Development Model In China

In our country, Rural mutual cooperatives is one new organization form of cooperative theory. We are not strange to cooperative finance, china's rural credit cooperatives is in this guiding ideology built. However, cooperative spirit has never been given play in the rural credit cooperative. Now, it has already completely from cooperative form to commercial. No real Cooperative financial organizations appeared in china before the rural mutual cooperatives. According to international experience, "cooperative and mutual assistance" is a wise choice of transition for the disadvantaged groups in the credit market towards commercial finance institutions. So as a kind of new rural cooperative financial organizations, the rural cooperatives in alleviating rural finance in the contradiction between supply and demand are expected to do that. By the end of 2010, there are 35 rural mutual cooperatives won the CBRC's financial permit, in support of local government registered tens of thousands. And there are many free in the regulatory edge and its development scale is not taken lightly. The capital gathered by rural mutual cooperatives is more difficultly to calculate. The study of rural mutual cooperatives will contribute to its standard development and to the development of rural economy.This paper altogether is divided into six parts:the first chapter is the introduction, mainly introduce the background and significance of the research topic; the second chapter is literature review of home and abroad, the research done in a simple and comments to cooperative finance; the third chapter is about our country rural financial supply and demand situation and the development situation of the rural mutual cooperatives, the introduction of rural financial market made a macro to explain. The forth chapter is successful experience comparative; the fifth chapter is the main part of this paper, the typical rural mutual cooperatives development mode of case studies. This paper will present the rural mutual cooperatives in China according to its impetus into endogenous type and exogenous copy type; the sixth chapter is in front of five chapters discusses to sum up out of the experiences of the enlightenment of china's rural mutual cooperatives.Through the analysis, this paper mainly reached the following conclusions: rural mutual cooperatives'system designing meet the current development status of rural economy in our country; Different regions of the economic environment, spawned different channels and development mode to the rural mutual cooperatives; The financing difficulties is the growing bottleneck of most rural mutual cooperatives, All the case analysis showed that to the effective way to overcome this difficulty is to expand mutual cooperatives in borrowing funds market anti-risk ability; the relationship of rural professional cooperative and rural mutual cooperative is mutual promoting. And it is the only path to industrialization and cluster for agricultural economyï¼›The government's role in rural mutual cooperatives growing is determined by the local actual condition in all regions, not blindly to impose some of the same support policies; Risk control is all financial institutions are facing problems, rural mutual cooperatives, of course, is no exception. Many current rural mutual cooperatives are faced with the lure of "foreign macro", this high-risk behavior in the current stage. The ability of rural mutual cooperatives to resist risks is far from enough to resist the risk of this behavior, so should err on the side of caution.