Study On The Reform Of Rural Credit Cooperatives In Zhejiang Province

Rural Credit Cooperatives is an important part of the financial system of ourcountry, the first Rural Credit Cooperatives was found, which has greatly promotedthe development of rural economy. At the same time, the Rural Credit Cooperativesare facing many problems in developing. Therefore, our country has been reformingall the time, shows that different regions should have different development model.Also tried the joint stock cooperative system in developing,this paper selected thejoint-stock reform of Hangzhou United Bank, analysis that the joint stock cooperativesystem reform has positive significance in economic developing.The Rural Credit Cooperatives the of South area of Jiangsu reform into RuralCommercial Bank in2001, in2003the State department issued " the project ofmaking experiments for the rural credit cooperatives”, issued that the Romance shouldmeasures to the local conditions, issued a new round of rural credit cooperatives,issued servicing " three rural" requirements. In2003the Yinzhou rural cooperativebank was established, as a pilot area of the first reform, obtained better results. In2004, Union Bank of Hangzhou was established, with the reform of rural creditcooperatives’ the Rural Cooperative bank is recognized. With the success of thereform of rural cooperatives, the positive significance of stock cooperative system hasgraduated been sure, the text focuses on comparing mode of South of JiangsuHangzhou city and the reform of rural credit cooperatives, to explore the experienceof reform, to get some reform experience in some developed areas, to solve thecontradictions between the aim of supporting of the "three rural" principle and thepursuit of profit as the goal. Hangzhou United Bank as the research object, modelselection and the performance of reforming in order to provide empirical reference fordeepening the reform of rural credit cooperatives in developed areas.This paper is divided into five parts, the first part, summarizes the basic meaningof cooperative finance. The second part is overview of the development process ofChina’s rural finance and the problems. The third part, analysis the rural creditcooperatives reform in developed areas, focus on the analysis of the externalmacroeconomic factors of reform of the United Bank of Hangzhou and the internalsurrounding factors, analysis causes of reform. Comparing the differences betweenSouth of Jiangsu area industrial structure and demand, analysis mode selection of itsreform, analysis differences of share-holding system and joint-stock cooperative system from the perspective of institutional supply. The fourth part, analysis thereform performance of Union Bank of Hangzhou joint-stock cooperative system, itsperformance index, coverage of the reform after the upgrade and subsidy dependedindex. conclude that the reform of rural credit cooperatives in developed regions cantake rural commercial bank or rural cooperative bank organization form, but shouldcombine with local economic development level and economic structure, and putsforward some suggestions.