The Study On The Promoting Effect Of Sihong Cooperative Bank On Rural Economic Development

SiHong rural cooperative bank is the first rural cooperative bank in Jiangsu Province.It has being promoting the reform of rural credit cooperatives according to the situation of SiHong. On the basis of the theory of rural financial theory and economic development theory, finding the main problem of effecting SiHong rural cooperative bank supporting the rural economic development and putting forward some suggested measures for the transformation has some practical value.In this paper, Based on the date from SiHong rural cooperative bank and rural economic development date of SiHong county, we analysis something of the following aspects:Chapter one is put forward the Questions. Screening for the hot economic issues and combining with ourselves practical work, we have reviewed some domestic and foreign literature to define the relevant concepts and determine the background and significance of research, at the same time; we also select the appropriate methods and approaches of the research. Get the general ideas of the article.Chapter Two is theory review and analysis. We have reviewed some domestic and foreign literature in order to classify theory basis. The theory mainly related to two parts, the first is the theory of financial growth and economic development, the second is about cooperative finance theory. In this paper, based on the current theory, we described the functions of the cooperative Banks in the rural economic development from the rural SMES and the "Agricultural culture, Agricultural village, Agricultural peasants".Chapter three is an Empirical Analysis about SiHong rural cooperative bank, firstly, we must have a total understanding of the local rural economic development status and basic information about SiHong rural cooperative bank, and we also analyzed the interaction between of them. second, based on the micro data and Yaron evaluation index system, we evaluated the performance of SiHong rural cooperative bank to support the rural economic development, which is from four aspects to analyze, such as loans quantity,the number of farmer and SMES loans and the coverage of loans,the kinds of credit and innovative products. Finally, combining macro and micro, we described the impact of "Agricultural culture. Agricultural village, Agricultural peasants", especially the efficiency agriculture development of SiHong, as well as the impact on local SMES.Chapter four is restriction factors of SiHong rural cooperative bank, we described the restriction factors mainly from five aspects, such as the local restriction factor of Bank asset scale,poor rural credit environment and lack of credit guarantee system. the fierce market and the gap with commercial banks,low quality of bank credit assets and high credit risk,further enhanced of Financial products and service innovation ability.Chapter five is relevant policies and suggestions, which are about how to make SiHong rural cooperative bank healthy and sustainable development. We put forward some relevant policies and suggestions, mainly from the following aspects:adjust measures to local conditions and develop the regional economic,improve rural credit environment and set up credit guarantee system,positing accurate market and create own brands,effective control the risk of the loan,increasing financial product and service innovation.