The Problems And Countermeasures Of The Reform From Daxinganling Rural Credit Cooperatives To Rural Commercial Banks

The property rights system reform of rural credit cooperatives is the local economic and social development and strengthen themselves competitiveness requirements,and to promote credit cooperatives sustainable development requirements. The property right system of rural credit cooperatives in the situation of the reform of the rural credit cooperatives in heilongjiang province, the property rights system reform work to walk in the country, after the until on December28,2010, the first a rural commercial bank-the rural commercial bank Co., LTD was founded, only to its function and meaning is not the more to promote rural credit cooperatives in our province, healthy, stable and sustainable development of important theoretical significance and practical value.This article from the local credit cooperatives the necessity of the reform of the system of property right as the starting point, from the national policy, the economic transformation forest region, the provincial association property rights system reform plan, three aspects of the rural credit cooperatives reform background are analyzed. At the same time, from the property rights system reform, the sustainable development strategy, the rural market competition is intense, urban and rural integration degree is high, credit cooperatives marketing operation five aspects of the local reform of rural credit cooperatives, the reason that the reform of rural credit cooperatives in the necessity and inevitability. Also, this paper tries to use the true process to reflect the cooperatives to the agricultural businesses "quality" process of change, to how perfect governance structure, debt handling, introduce the strategic investors, optimizing equity structure, making perfect management system five aspects in detail, as the focus of property right system reform process embodies the disadvantages of the reform of the rural credit cooperatives are summed up the various existing problems, these conflicts has the distinct regional characteristics and individual character, reflects the Daxing’anling in the next few years farming firm the difficulties and problems need to be solved, also reflects the change in the actual operation process and production change model design deviation between expected, this paper takes the purpose to solve practical problems on the next step of the reform of the follow-up work puts forward related Suggestions.