Research On The Current Situation And Countermeasures Of The New Rural Cooperative Finance In Shandong Province

Since the reform and opening up, China’s rural financial market has undergone a historical stage of development from scratch, from small to large. But the characteristics of agricultural production, such as low income, high risk, high cost, the lack of rural accumulation, financial support and other factors, the rural "two yuan" financial structure is still in existence. Informal finance in rural areas, especially in traditional rural credit cooperatives credit de agriculturalization and short-term, large tendency obvious, on the other hand due to the existence of rural formal financial supply deficiency and rural economic development funding needs of contradictions, some with cooperative finance of the rural credit cooperative organizations in our country have arisen, which effectively makes up for the lack of formal financial, better improve the farmers to mortgage difficult and difficult problem of the loan. Therefore, to guide the orderly development of rural credit cooperative organizations, make it become a real sense of cooperative finance, and reconstruct the rural cooperative financial system, and will become an important part of rural financial reform in China. In recent years, the development of rural credit cooperative organizations in Shandong province has been developing rapidly, which has played a positive role in alleviating the difficulties of farmers’ loans, improving the external financing capacity, and innovating the mode of supporting agriculture and supporting the agricultural production. The new rural credit cooperation organization’s wide existence and the effective operation, has laid a good foundation for the reconstruction and development of our province cooperative financial system.Firstly, this paper reviews the main theories and points of rural cooperative finance. Through the analysis of the rural cooperative finance, the paper puts forward that the rural cooperative finance is an important factor and link, which is conducive to promoting the rural financial deepening, reducing the transaction costs of farmers, solving the information asymmetry in rural financial markets, and improving the allocation efficiency of rural resources. On the basis of reviewing the development process and current situation of rural financial development in China and Shandong Province, the necessity of constructing new type of rural cooperative finance and the main way to solve the problem of rural financing loan are studied by means of multivariate statistical analysis and typical case analysis. At last, combined with the research and practice of rural cooperative financial organizations in China, a new type of rural cooperative financial development and financial development in Shandong province is put.forward.The first chapter is introduction. This paper mainly introduces the background and significance of the research, research ideas and framework, innovation and shortcomings.Second chapter theory and literature review. This chapter begins with the theory of cooperative economic development, the development process and main points of the modern cooperative financial organization and its theory, and explores the basic principles of the development of cooperative financial organizations. The modern financial theory in the late 60’s since the end of the’s is analyzed, and the main viewpoints of the rural cooperative finance are analyzed. Comprehensive exposition of the research results of the scholars about the mutual aid organizations of farmers, and to provide a theoretical basis for improving and perfecting the framework of the new cooperative financial system.The third chapter:the empirical analysis of the farmers’demand preference and the capital supply of the cooperative financial organization. This chapter adopts the method of static analysis and dynamic analysis, empirical method and normative method, to study the financing behavior of rural traditional cooperative finance, farmers’demand preference and the middle layer of rural professional cooperatives.The fourth chapter of China’s cooperative financial development process and status quo. First of all, this chapter reviews the development of new type of cooperative financial organization, and defines the new type of cooperative financial organization. It can be divided into 5 types, such as rural fund mutual aid society, agriculture, supply and marketing. Then, it makes a thorough study on the development of new type of cooperative financial organizations in China, the establishment of new type of cooperative financial organization, the organization model, business scope, and regulatory framework for the establishment of a new type of cooperative financial organization theory research.The fifth chapter is the development of new rural cooperative finance in Shandong province. The main problems existing in the basic situation, the new rural cooperative financial organizations in Shandong Province, the main characteristics were analyzed by using statistical data, draw the following conclusions:one is the organization of rural credit cooperation accords with the demand of rural finance. has strong vitality and vitality; two is the commercial bank reform in rural credit cooperatives, rural finance institutions, need to rebuild a new organization to fill the blank of cooperative finance; the three is the need of rural cooperative finance supporting agricultural industrialization and new urbanization, to create a broad space for the rural cooperative finance is four, there are still internal management operation is not standard, not perfect, many problems and lack of external supervision lack of policy support, to further standardize the development of.The sixth chapter is to build the new rural cooperative financial system in Shandong province. This chapter mainly combines third,4,5 chapter of the rural cooperative finance empirical results and development experience, put forward to build a new type of rural cooperative financial system in Shandong province.