The Development Research Of The Rural Mutual Funds Cooperative In Fengyang County

For a long time, the state-owned commercial banks and rural credit cooperatives are lack of intrinsic motivation to provide farmers with a small, short-term and decentralized capital loans services.It is difficult to meet the rural financial services demand. The financial resource is not balanced in urban and rural areas, the rural investment and financial system is not perfect. Therefore, the generation of the rural mutual funds cooperative is reasonable and necessary. The advantages of rural mutual funds cooperative can be summarized as simplicity, low cost, flexibility of time and easy to improve the degree of farmer organizations. Take the current actual situation of rural financial markets into account, the rural mutual funds cooperatives is suitable for the target market. Therefore, the rural mutual funds cooperative has the advantage of organization and institution in the decentralized micro-credit market and become an effective complement of the rural financial system.The rural mutual funds cooperative is micro-financial institutions. In the development process, the rural mutual funds cooperative of Fengyang county gained some valuable experience. At the same time, it encountered some difficulties in the external efficiency of resource, well-standardized operation and long-term development. This article is divided into six parts:the first part is the basic theory of rural mutual funds cooperative, it is a micro-financial institution from the theoretical point of view;the second part is analysis on the development of the rural mutual funds cooperative in Fengyang county. After several years of rapid development, the scale levels have been increasing rapidly and the internal efficiency need to be strengthened; the third part is analysis of the operation of rural credit union funds, mainly from the sources of funds, loans, risk control, profit distribution and other aspects; the forth part is the problem of the rural mutual funds cooperative in Fengyang county, mainly from the union of their own problems and the external environment elaboration; the fifth part is the development of foreign micro-finance experience and inspiration; the sixth part is the Recommendations on how to accelerate the development of the rural mutual funds cooperative in Fengyang county.