Strengthen The Rural Credit Cooperatives Credit Construction Study

" The Twelfth Five-Year Plan for National Economic and Social Development of the People’s Republic of China " clearly states:"to promote the modernization of agriculture and accelerate the construction of a new socialist countryside is a major task of the Twelfth Five-Year Plan. We must adhere to solve the problems in agriculture, rural areas and farmers and take this task as the top priority of our party’s work".The rural credit cooperatives is a rural cooperative financial institution which sets up by the approval of the People’s Bank of China, composes of shares by the members, carry out the democratic management and provides financial services for their members. It plays a main and basic role in the construction of a new socialist countryside. In recent years, under the guidance of national policy, rural credit cooperatives plays a main role in the "Issues of agriculture, farmer and rural area" and becomes the core strength of providing financial services for800million farmers. At present, in a part of the rural credit cooperatives still exist the phenomenon of information distortion of accounting, auditing and illegal on loan operation. This has not only hindered the rural credit cooperatives’ stable and healthy development, but also affect its role in promoting agricultural development, increasing the farmers’ income, and stability in rural areas. Based on the reality, this thesis summaries the method before in this area, and then use the quantitative analysis and qualitative analysis by combining the method of combining theory and practice as well as documentary research, to strengthen the integrity of the building of rural credit cooperatives in the construction of credibility problems.The thesis constitutes the introduction, text and conclusion. The introduction explains the research background and significance. Meanwhile, in this party, it points out the current situation of the rural credit cooperatives’ construction of credibility and poses the ideas and methods of this thesis.The body part of this thesis consists of three parts:The first part is the importance of rural credit cooperatives to strengthen its integrity building. This section is mainly describes that strengthen the integrity building is a strong guarantee for rural credit cooperatives, an inherent requirement of the scientific development of rural credit cooperatives and an important mean to promote the comprehensive development of rural credit cooperatives staff. And then discusses the significance of integrity building of the rural credit cooperatives. The second part is the current situation of the rural credit cooperatives’ lack of credibility and attribution analysis. This section is mainly describes the current situation of the rural credit cooperatives’ lack of credibility from the aspects of information distortion in accounting and audit, illegal on loan operation and the lack of credit in the staff. And then it analysis the reasons of this phenomenon, as not been completely resolve from the historical issues, the management of human resources is behind, inadequate rules and regulations, internal control system is defective.The third part is the methods of strengthening the integrity building of rural credit cooperatives which includes to strengthen the integrity education of staff, strengthen the building of enterprise culture, improve the management mechanism and strengthen the social supervision.