The Reform Of Rural Cooperative Banks In Economically Developed Areas And The Enlightenment

The rural credit cooperatives of China after the development and change of more than60years of development, has become a part of and support for rural areas is very important innational financial system. The financial main force, make a tremendous contribution to therural economic development. As the main cooperative financial organization in rural areas ofthe country, the main purpose is to serve the "three rural ", but because the rural creditcooperatives operating system is not arranged and property relations distortions, her servicefunction has not been fully realized. such as the rural credit cooperatives " three of" recovery,rural credit cooperatives and the Agricultural Bank of China to lift its affiliation, but a seriesof reform did not involve the creation of property rights system of rural credit cooperativesand clear, also not well reflect the rural credit cooperatives as cooperative financialorganization service.In2003the Central Committee and the State Council issued the " pilot scheme " todeepen the reform of rural credit cooperatives, the clear " suit one’s measures to localconditions " principle, to serve the "three rural " and the clarity of property rights as the goaland direction of the reform of rural credit cooperatives. In this reform, Yinzhou ruralcooperative bank in Ningbo city as the country’s first pilot agricultural letter society, thereform has achieved good results. And in2003by the Central Committee and the StateCouncil for the establishment of the rural credit cooperative system that later recommendedmode reform pilot to promote. To explore the valuable experience of successful reform of therural credit agency to progress, as in other parts of China in particular is a reference to thereform of rural credit cooperatives of the economically developed regions, this paper chooseto Bank of Longwan rural cooperative economy developed area as a case, on her reformprocess of a comprehensive study, analysis, verify the positive significance of " sharescooperation " model and the construction of financial institutions in rural areas ineconomically developed areas of the effectiveness and adaptability.In the Longwan rural cooperative bank restructuring performance evaluation process, this paper adhere to three principles:(1) from the Longwan rural cooperative bank as a ruralcooperative financial institutions view, take the method of empirical analysis, demonstrationof their services to local economic development and to support the "three rural " actual effect;(2) from the Longwan rural cooperative bank as a business organization perspective, analysisof the reform to improve their ability to operate a role;(3) from the Longwan ruralcooperative bank as a business enterprise’s angle, analyzes the significance of improvinggovernance structure and clear property right system to the healthy and sustainabledevelopment.In order to analyze its reform process, I am in Longwan rural cooperative is studiedcomprehensive survey, the survey consists of two aspects:(1) the characteristics of economicdevelopment in Longwan district. My many visits to collect the relevant data of Longwaneconomic development zone; visit and small and medium-sized enterprises and farmers localhome, understand and analyze their financial needs. Field research, I deeply feel as economydeveloped area representative, engaged in traditional agriculture in Longwan area populationis already very small, therefore the reform of rural credit cooperatives should be focused ontheir demands.(2) the actual contributions and support local economic construction andreform of Longwan rural cooperative bank. I had an interview with the Longwan ruralcooperative bank ’s branch, in-depth exchanges extensively with the president and a numberof staff, and reviewed the data and materials for many years since the Longwan ruralcooperative bank building society, focus on performance issues, Longwan rural cooperativebank ’s property right problems, to support the "three rural " problems comprehensivelyanalysis and discussion. Through the research, I concluded that: the actual situation of ruralcredit cooperatives only economic development based on the regional, can effectively achievethe desired effect. Joint-stock cooperative system is suitable for the characteristics of thedevelopment of economically developed regions reorganization mode, her future developmentwill also should be based on the needs of the domestic economy: in the business model, theorientation of rural credit cooperatives for regional economy " community " in the bank;customer orientation, the rural credit cooperatives to farmers, countryside and agriculture asthe service object and the main market; in the sources of income, rural cooperative bankinterest income and large and medium-sized commercial banks do not have comparablecompetitive advantage, so it should be the development of intermediary business in manyaspects to increase the Commission income.