On The Path Of Reform Rural Credit Cooperatives In China:the Model Of Rural Commercial Bank

As is known to all agriculture, rural areas and farmers (hereinafter referred to as the "three rural") problem is the focus of the government’s work in our country, because of the different levels of regional economic and social development in our country; And cultural tradition, thinking mode, government governance environment non-economic factors, such as expanding "three rural issues", seriously hindered the economic development of our country. How to strengthen the rural economy structure adjustment, improve the rural development pattern, which is more effective to solve the problem of "agriculture, rural areas and farmers", this is inseparable from the rural financial system to provide financial support. Agricultural development bank of agricultural bank or due to the interests of their own development demand, has the business gradually shift to urban markets, and also because of the limitations of their own development, civil financing can’t provide funding support for rural economic development. But as the body of the rural financial system of rural credit cooperatives, in serving "agriculture, rural areas and farmers" has achieved very good results, is the main drivers of economic development in the rural areas,In order to better service for "agriculture, rural areas and farmers", held several reform of rural credit cooperatives in our country, especially the deepening reform in2003, has achieved very good results, but because of the incomplete and developed areas of the reform of rural economic integration to improve increasingly competitive and financial services, heightened the urgency of the reform of rural credit cooperatives, how to adjust measures to local conditions of the mode reform of the rural credit cooperatives, it will produce the hot topic in the current rural financial reform, i.e., how to deepen the reform of the rural credit cooperatives model, make it can better meet the needs of the development of rural economy. At present, our country there are three main forms of rural credit cooperatives reform model, is to continue to exist in cooperative system model of the joint stock cooperative system of the reform of financial institutions, or the establishment of rural cooperative bank or rural commercial bank stock line. At present, the three reforms of rural credit cooperatives model exist at the same time, but with the development of rural economy in our country, the continuous improvement of the corporate governance structure, shareholding system will eventually dominate, become the final model of the reform of rural credit cooperatives. For share-holding pattern, rural commercial bank will be an effective exploration, because of the rural commercial bank was established according to the modern financial enterprise system, in order to profit as the center of the business objectives, its operating efficiency will also continue to improve, in June2012, Dalian was founded on rural commercial bank, and adhere to the service "three rural", small and medium-sized market positioning, service people; Take the path of differentiation, the characteristic management. Whether this pattern to adapt to the needs of the development of local economy, the shareholding system reform has made more than a year of time performance, which is worthy of our study, and provides reference for other parts of the joint-stock reform of rural credit cooperatives. Innovation point of this paper is to case combined’with empirical analysis, update the data, the deficiency is due to the time of the establishment of the rural commercial bank in Dalian is shorter, to examine the credibility of the data analysis.This paper introduces the problems of rural credit cooperatives reform in our country, this paper illustrates the urgency of the reform of rural credit cooperatives, according to the situation of the development of rural credit cooperatives in Dalian, in its reform of the optional model to analyze the pros and cons, and the feasibility of the shareholding system reform of rural credit cooperatives in Dalian, and the achievements of empirical analysis, and using the experience of rural commercial bank in Dalian development put forward some policy Suggestions about the reform of rural credit cooperatives. Mainly from the following five parts to discuss:The first part is the introduction. In this section mainly introduced this article selected topic background and practical significance. at home and abroad are introduced and the rural credit cooperatives to share system’s point of view, held by the introduction of the basic framework, this paper research method, innovation points and deficiencies of this article is presented. The second part mainly introduces the problems existing in the development of China’s rural credit cooperatives reform process, aiming at such problems found the urgency of the reform of rural credit cooperatives in our country. This part from the different stages of development of China’s rural credit cooperatives, because in the development process of rural credit cooperatives in China there is a heavy historical burden, scope of service defects, policy support is not in place, and such problems as unreasonable debt structure, limiting its better service to the "three rural". From rural economic development and the demand for financial services and the importance of China’s rural credit cooperatives two aspects to generalize the urgency of the reform of rural credit cooperatives in our country are summarized.The third part mainly introduces the development status of rural credit cooperatives in Dalian and optional reform model analysis of advantages and disadvantages. This section first explains the general situation of the whole Dalian city rural credit cooperatives, and rural credit cooperatives reform in Dalian optional three models to analyze the pros and cons, pointed out that according to China’s economic development in rural areas for mode selection, cooperative system in economically underdeveloped rural areas shall, in a relatively developed economy, implementing the joint stock cooperative system and rural areas in economically developed rural areas is the share-holding system.The fourth part introduces the establishment of joint-stock reform and achievements in Dalian. This part of the argument in the economic developed areas of rural credit cooperatives reform for rural commercial bank is the right choice. First is the reform of rural credit cooperatives in Dalian for rural commercial Banks, the analysis of the necessity and feasibility of the reform, and the establishment of a rural commercial bank in Dalian and the periodic achievements for specific analysis.The fifth part mainly for deepening the reform of rural credit cooperatives of policy recommendations. Mainly is to improve the internal governance, strengthen personnel training, increase financial product research and development, realize the sustainable development; Will serve "three agriculture" in the first place and optimize the external environment of reform and development.