The Development Problem And Countermeasure Analysis Of Rural Mutual Cooperatives

From the beginning of 2004, the national annual publication of the central document is based on the "three rural" as the background, with special emphasis on the important basic position of agriculture in our country in the development of the socialist modernization. Rural fund cooperatives as to meet the "new financial organizations rural development and farmers credit demand, plays the functions and role of the core in the rural and agricultural economic development. January 22,2007 China Banking Regulatory Commission formally issued the "Interim Provisions on the management of Rural Financial Cooperatives", from all over the country rural financial cooperation organizations have a common standard and system.This article mainly divides into five parts. The first part is the introduction, which mainly introduces the background and significance of the selection of the thesis, and summarizes the relevant research at home and abroad. In the second part, through the in-depth analysis of the rural capital cooperative organizations related to the concept of theory, detailed describes the basic connotation of rural capital cooperative organization, characteristics, existing advantages and domestic and international rural mutual financial success experience. The third part summarizes the rural capital mutual aid organization operating status and the existence of development and related issues is mainly reflected in the shortage of funds, the legal status is not clear, government intervention, imperfect management system and risk control mechanism imperfect. The fourth part is in the field research, selected with typical successful cases to analyze, in-depth study of the reasons for its success, for our country rural capital mutual aid the development of the society has to provide instructive experience; Xinyang City, Henan Province, Hao Tang Cun through legislation and development of pension fund cooperatives to solve the village credit problem, improve the income of the villagers, strengthen the village collective economy, to the elderly pensions, consolidate and carry forward the traditional virtues of the Chinese nation, financial instruments and organizational tools become effective and improve the two-tier management system, consolidate the collective ownership. The fifth part puts forward the relevant counter-measures and suggestions.