The Study On The Reform Model Of Rural Credit Cooperative

Urban and rural development, promoting rural economic restructuring and economic development are inseparable from the financial support of the rural financial system. But with the deepening of financial reform in recent years, Agricultural Bank of China and Agricultural Development Bank withdraw from the rural market gradually because of its own interests, and because of its own limitations, private finance cannot meet the financial needs of agricultural operations and support the development of rural economy. Rural credit cooperatives are import components of rural financial institutions in Chinese countryside. So rural credit cooperative's operating condition and results not only affects rural financial system's stability and development, but also affects the development of rural economy indirectly.In the past few decades, the rural credit cooperatives have carried out a lot of reforms, in particular, since a new round of reform of credit cooperatives in 2003, they have achieved significant results. However, due to the incomplete reform, historical issues and their problems of rural credit cooperatives, rural credit cooperatives still have many problems. And other financial institutions have gradually withdrawn from rural areas and shrunk their scope for rural services, together with the ever changing economic structure in the rural areas, the fast integration of urban and suburban areas and the more fierce competition in financial market and some other factors have all together promote and accelerate the reform of rural credit cooperatives'property rights, rural credit cooperatives need to further deepen the reform and innovate their development model. In the piloting process of rural credit cooperatives' reform, new modes have appeared, such as the cooperative institution of unifying county-level cooperatives, the share holding system of establishing rural commercial banks and the share holding cooperative system of constructing rural cooperative bank. The cooperative system, the share holding cooperative system and the share holding system exist at the same time, and the share holding system of establishing rural commercial banks will gradually dominate.Chongqing became the urban and rural comprehensive reform experiment zone in June 2007, the focus of urban and rural economic development is solving the "three rural", its essence is to support agricultural modernization, coordinated development of industrial and moderate development of towns, all these cannot complete without the support of rural financial institutions. Historical opportunity, Huang qifan, the mayor of Chongqing proposed the establishment of rural commercial bank to promote urban and rural development. Rural credit cooperatives have been reformed into rural commercial bank in Chongqing city, after more than two years of development, the model of the reform, the effect and the inspiration are all worth to research.In view of this, with the method of theory and actual, this paper is on the basis of the analysis of rural credit cooperatives. Select Chongqing rural commercial bank as an example of case, researched the process of the reform and appraised the effect. At the end of the paper, based on the Chongqing rural commercial bank and other advanced bank'experience, put forward the countermeasure and suggestion of how to make rural commercial bank perfect and the reformation of other areas. This article is divided into six sections:The first part is preface. It introduces the topics of background and significance, review of the literature on rural credit cooperatives, research framework, research method, innovation and shortcomings of this article.The second part is the development and reform of the rural credit cooperative. This part analyzes the development process and the problems of China's rural credit cooperatives.The third part introduces the reform and development of the rural credit cooperative of Chongqing. This part describes the development of Chongqing rural credit cooperative first, and then describes the necessity and feasibility of reform of Chongqing credit cooperative.The fourth part describes the process of establishing of Chongqing rural commercial bank briefly, then using relevant economic indicators, analyzes the initial results of reform of Chongqing credit cooperative. Finally, the part analyzes the problems of Chongqing commercial bank.The fifth part put forward some countermeasures and suggestions for the further development of Chongqing rural commercial bank and the reform of rural credit cooperatives in other areas, particularly in developed areas.The sixth part is conclusion.