Legal Issues Research Of China’s Rural Credit Cooperatives

In the field of rural finance and rural credit cooperatives was once given to the "main force" of the financial position, regardless of whether they can assume such a role, as the formal financial institutions in rural areas, its role in the field of rural finance are beyond. Theoretical circles on the reform of rural credit cooperatives in China, economists fruitful indeed negligible in the field of law and the quality is not high, and in the system, the depth and continuity, especially for the rural credit cooperatives. With economic development, commercial banks have basically out of the majority of the time of primary rural markets, rural credit cooperatives to assume the role of rural "main force" of the financial, but it does not sound legal system to regulate them, which not only affected the smooth progress of the rural financial activities, but also restricts the development of rural credit cooperatives, and more affected the development of agriculture. In the current situation of building a new socialist countryside in China’s accession to the WTO transition period to an end, the financial sector will be fully open the case, explore the rural credit cooperatives in a number of legal issues, has a very unique and practical significance.In order to facilitate rural credit cooperatives to standardize their operations, and effective risk and maximize profit levels in the legislative point of view, the main concern of rural credit cooperatives internal organization set up. Members of the rural credit cooperatives (representative) of the General Assembly is the highest authority, the Council is its implementing agencies, credit unions, director of the appointment by the Council, a board of supervisors, responsible for overseeing the management and the management of the behavior of the rural credit cooperatives. Institutional arrangements of this internal organization requirements have been implemented at all levels of rural credit cooperatives. However, the reality, the situation of rural credit cooperative organizations is still not very satisfactory, there are still many problems, its outstanding performance:poor management, low operating efficiency, not two assets is the high proportion of members (representatives of) the General Assembly a mere formality, the Council’s decision-making internal control" severe, the Board of Supervisors ineffective management produced by the "external control", resulting in the reasons for this situation are many and varied, and the organization of rural credit cooperatives legislation is more worthy of reflection.Firstly, the description and analysis of the legal aspects of the legislative history of China’s rural credit cooperatives were the legal status of the rural credit cooperatives, the corporate governance structure and legal risk into three parts. Compact, clear, comprehensive and focused of the three major legal issues of rural credit cooperatives in the last article on the construction of rural credit cooperatives legislation recommendations.