Study On The Comparison And Analysis Of Performance Rights Under Three Modes Of Rural Credit Cooperatives

China, as a large agricultural country, issues of agriculture,farmer and rural area have always been the core factor of the central party committee,all sectors of the society. In order to boost the development of economy, improve farmers’income level and adjust the agricultural structure, China’s economy has experienced the continuous reform since the beginning of reform and open policy, which objectively required the rural financial reform keeping up with the steps. As the vital function of Rural credit cooperatives (RCCs), which is a regular financial institutions in rural area, accelerating the reform process is also very important. Established in the mid-20th century, our country’s RCCs has experienced constantly change and development, from small to large, from weak to strong, getting continuous growth.In 2003 the State Council issued the "deepening of rural credit cooperatives reform program",this is the beginning of a new round reform of RCCs and choose the property rights system and management system as the core factor. There are three property system:cooperation system, rural credit cooperatives;shareholding cooperation system, rural cooperative bank; shareholding system, rural commercial bank. Various system have respective characteristics and have different conditions and requirement towards the RCCs. The coexist of three property system is result of the diversity of areas’actual situation and RCCs conditions. With the decelopment of market economy, the three property system continue to grow,there is no consistent identity which one is better adapted to the rural finance,so we should choose the right property system according to the actual situation.Based on the review analysis of the theory at home and abroad and the reform of RCCs over the past 60 years, this paper describes the current situation of the three kinds of property rights of RCCs.Through set up the indication system, make positive analysis on the performance of supporting agriculture and commercial sustainable development, the choice of property system is according to different RCCs’operation situation and different district economy development. Then respect the choice principal, shareholding system will be the best choice. Rural Commercial Bank will be the reference standard for the following reform. At last, the questions should be noticed and put forward some proposals during the reform.