Rural Credit Cooperatives "Credit Changed Business"Rural Financial Services Functions Change And Its Security Research

As the main force of the financial support for agriculture, rural credit cooperatives (rural credit cooperatives) play a very important role in support of the "three rural"(farmers, agricultural and rural) cause. In many rural areas, rural credit cooperatives and even the only formal financial institutions. Since1950, after several times by the government-led reform, the development of rural credit cooperatives in all respects have made some progress. However, along with the continuous deepening of reform of rural credit cooperatives within the deep-seated contradictions increasingly exposed, and to some extent reduce the effect of the rural credit cooperatives restructuring, such as the end of the20th century, there were still53%of the rural credit cooperatives are still at a loss. Around the rural credit cooperatives in order to rationalize their own institutions and mechanisms fundamentally since2003(the beginning of the time of the joint-stock reform) have to go co-operative, and implementation of the joint-stock reform, the establishment of rural commercial banks. After the reform of rural commercial banks, rural credit cooperatives has improved greatly compared in terms of scale, efficiency and sustainable development. At the same time, go cooperativization does that mean go to farmer, the pursuit of profit the tendencies and profitability purpose of the commercial banks is whether the weakening of the "three rural financial services, is the surface of these issues, caused by academics, some government and industry attention and concern. How to ensure operating efficiency and sustainability premise, rural commercial banks continue to strengthen and improve the "three rural" services, that is, the main purpose of this writing.In this paper, the financial repression theory, the theory of financial services security and cooperation in financial theory such as the theory, a comprehensive reform of the A agriculture and commerce bank, based on detailed research, in-depth analysis.The following conclusions:first, the A of rural credit cooperatives in business innovation, market demand, business philosophy, style of work, internal control and corporate governance are facing difficulties, in urgent need of reform. Agriculture and commerce bank after the reform of the A, security, profitability, capacity development and sustainability than ever before greatly improved, mainly as the rate of the decline in non-performing loans, capital adequacy rate of rise of net profit growth, asset profit growth, loan growth, deposit growth rate increase, and so on. Fully explained, after the reform of the A of agriculture and commerce bank has played an active role in support of the "three rural". Second, the trend of weakening support for agriculture due to profit-driven nature of the commercial banks, A agriculture and commerce bank operations. This article before and after the restructuring of rural credit cooperatives, rural commercial banks in the business structure, security system, financial products and services, quality of personnel, conditions of facilities, business strategy, market positioning and service concept contrast, after the reform of the A of agriculture and commerce bank loan structure of the data analysis, the weakening the fact of the A of agriculture and commerce bank support for agriculture on the theory and practice of argument. The last letter change providers how to improve the security system of rural financial services, put forward some suggestions:(1) The implementation of the rural credit cooperatives "letter change supplier macro-control, to prevent rural credit cooperatives restructuring excessive over-Pan.(2) Countries according to the principle of equal rights and obligations for the quantity and quality of the "three rural" give appropriate preferential policies bank of agriculture and commerce, prevention by "farming". The shell, the nonfarm the real line.(3) To strengthen and improve government regulation, especially the banking bureau supervision.(4) To strengthen the participation and supervision of farmers and agriculture-related businesses.(5) To deepen the reform of the rural financial system, to support the development of other rural financial institutions, including rural cooperative financial, how far the building ownership, moderate and orderly competition in rural financial system and rural financial services integration platform.(6) To guide the city’s financial capital flows "three rural".The innovation of this paper is that the topics and perspectives innovation, throughout predecessors various research, for the reform of rural credit cooperatives, the scope of the study is mostly concentrated in the rural credit cooperatives operating status and how to improve the rural financial services. In recent years, the rural credit cooperatives have transformed into rural commercial banks, rural commercial banks "three rural" financial services weakened the study of the problem has not been extensive. This article from the function of rural financial services perspective, the trend of rural credit cooperatives letter change providers theoretical analysis and empirical research, and propose relevant measures and hope that in the case of impulse to meet the profitability of agricultural businesses and growth in demand, not weakening, even strengthen the financial support of the "three rural"...