Study On The Joint-stock Reform Of Rural Credit Cooperatives In HeBei Province

"Agriculture, countryside and farmer" issues are to promote the rapid development of economy of rural financial system of the healthy development of fundamental, and the party and the goverrnment of rural financial policy is to support the "agriculture, countryside and farmers" big economy and the power of the development of source. Solving the problem, not only is the key of construction harmonious society, is also promoting the integration of urban and rural areas the prerequisite. Since2004, the central continuous issued seven "number one document", respectively from the "increase farmers’ income,""improving the agricultural comprehensive production capacity","new socialist countryside","the development of modern agriculture","grain production and peasants’ income","promoting the integration of urban and rural areas" concern "agriculture, countryside and farmers", etc. For many years the country has public enough policies to press the attention on the" issues concerning agriculture, the countryside and farmers ". And solve the problems concerning peasants, agriculture and need a lot of capital support, this requires all rural perfect, and in the service of agriculture, rural areas and farmers financial system. And occupy the rural financial position, the main rural credit cooperatives, as the main body of rural financial system is the key to"agriculture, countryside and farmers" development, so the reform of rural credit cooperatives must grasp the "face" agriculture, rural areas and farmers’"the center of gravity be shaken, through our system reform, to adapt and promote the economic development of agriculture, countryside and farmers ".The dilemma for rural credit cooperatives support is a historical problem, to crack this dilemma is not an easy task. Stock reform is cracked support a dilemma for bold attempt. Our country municipalities directly under the central government and to areas of southern has stock reform of rural credit cooperatives pilot, achieved remarkable results; Hebei CangZhou suburban rural credit cooperatives enterprise also began in2009the stock system reform of actively trying to, this all shows joint stock is the trend of the reform of rural credit cooperatives of the times. The rural financial market is a diversified financial markets, in the traditional agriculture to modem agriculture an important stage of change, rural credit cooperatives, or farming businesses, there is no doubt that become such a change to provide financial support area. To meet the diversified financial need is not only the farming business such financial institutions, more needs corresponding external environment provide support and protection, agricultural businesses provide play "support" ability on the stage.This paper aims at the development of rural economy in HeBei province based on the actual situation, analyzed the existing problems of rural credit cooperatives, made clear the property rights are not clear of rural credit cooperative development is restricted by the main factors, is also the focus of the reform. Through the analysis of the appeals of the reform of rural credit cooperatives internal and external environment for the foundation of reforms, and explain the stock reform of rural credit cooperatives in HeBei province the realistic requirement. Through the areas of southern rural credit cooperatives reform of commercial banks success experience, from indigestion assets, optimizing stock ownership rights, strengthening the legal person governance structure, improve the quality of the staff of rural credit cooperatives in HeBei province stock reform put forward some ideas. This round of reform is not only the reform of financial institutions themselves, but also the external environment made requirements. Rural credit cooperatives from cooperation reform become after joint stock system, need special attention in the "support" is reflected in the process of the protection of shareholders’ interests.The article is divided into five parts. The first part is the introduction, this paper expounds the background and significance, combed the research situation, points out method and content about this research; The second part introduces the theoretical foundation of rural credit cooperatives reform; The third section describes the status quo of the development of rural credit cooperatives in HeBei province, through the analysis of the shortcomings of the ether, rural credit cooperatives of the causes of the shareholding system; The fourth part is to analyze the samples area success reform methods, models and experience, and also the objective expounds the bottleneck of restricting reform; The fifth part is in the above analysis is proposed on the basis of the rural credit cooperatives in HeBei province stock reform realization way:make some reasonable planning and a scientific solution; develop the policy system, ensure implementation; the last resting to support ascension service level up.