Study On Reformation Of The Rural Credit Cooperative In Shaoyang City

As a special financial institution for the countryside and farmer, The Rural Credit Cooperative plays an important role in driving the development of the local countryside, promoting the improvement of the rural finance and consummating the rural financial market. Since2003,The state began reforming the Rural Credit Cooperative with some problem such as self-structural, historical legacies in order to making it performing better. The Rural Credit Cooperative in ShaoYang cooperated actively to inaugurate a serial of reforming measures. Whether those measures getting them achieve their targets needs to be assessed so that it can give some suggestion for future reformation.After read large quantity of document, this paper explores the way of combinations of quantitative analysis and qualitative analysis, normative analysis and empirical analysis. First it illustrates the current research about the Rural Credit Cooperative reformation in and outside the country, then analyses the characteristics of the financial services demand and supply, establishes a model of the gaps between the supply and demand, classify the gaps and reasons how the gaps be produced. Based on the theory of supply and demand, a Comparative static analysis about the gaps is made and the Equilibrium state in different situation is stated. According to the former analysis a framework about the Rural Credit Cooperative reformation performance in ShaoYang is designed. At the end of the paper, some problems are figured out according to the result and some suggestions about the future reformation are given.