Analysis Of Factors Affecting The Development Of The Rural Credit Union Funds In Heilongjiang Province

Since March9,2007, the China Banking Regulatory Commission to determine the country’s firstrural fund cooperatives, the new farmers’ credit cooperative organizations opened a prelude to thehistory. Rural fund cooperatives and the rapid rise did not play to meet the farmers’ demand for funds topromote agricultural production and improve the lives of farmers and other aspects of its due role. Thispaper attempts to find a way to promote rural fund cooperatives healthy development, in order to playthe role of promoting rural economic development.Rural fund cooperatives’ business goal is to provide services for farmers, and rural fundcooperatives to solve the "three rural" issues of practical significance; but also help to improve itsmanagement level. On the other hand the development of the rural fund cooperatives to solve the lack ofrural credit supply, improve the level of financial services in rural areas, to improve their lives,maintaining social stability in rural areas, and training for rural financial industry competitors to form anorderly competitive market.In this paper, the rural financial theory, theory of cooperative financial support as a theoretical basisand background of rural fund cooperatives, a review process of Heilongjiang Province, the developmentof rural fund cooperatives, and a description of the full range of the current development of the ruralfund cooperatives by the status analysis to identify the problems encountered in the development of therural fund cooperatives. Questionnaire to identify union factors affecting the development of the ruralcapital of Heilongjiang Province, and through the establishment of a mathematical model to verify thedegree of the impact of these factors. Finally, the corresponding countermeasures to improve the ruralfund cooperatives to increase government support for efforts to broaden the sources of funds, and thedevelopment of relevant legislation, a clear legal status, strengthen financial supervision, reduce risk,and to regulate the internal management. So as to promote the development of rural fund cooperatives,in order to better service "three rural".