Management Status, Problems And Countermeasures Of Rural Credit Cooperatives

Rural Credit Cooperatives called as the "main force" of rural finance is the major financial institution in Chinese rural and pastoral areas, it mainly aimed for providing service for "Three Rural, Three Animal Husbandry" in its administrative region,and plays an important role in promoting the "Three Rural" economic development, small,medium and micro enterprises development of urban and rural,rural financial order stability and social and economic development of rural pastoral areas. After years of efforts, reform and development of the Rural Credit Cooperatives has gained satisfactory achievements, but it still remains some shortcomings in corporate governance structure, intermediate business, human resources, security, non-performing assets, internal control system and industry competitiveness.In this paper, we took Ongniud Bannar of Inner Mongolia as an example, analyzed the current economic and financial policies, opportunities and challenges faced by Rural Credit Cooperatives, meanwhile, by comparison with various aspects of the commercial banks, analyzed the current situation of Rural Credit Cooperatives management, the existing problems and made some suggestions to improve the management.To effectively enhance the management level of Rural Credit Cooperatives is related to the sustainable development of rural financial situation, the construction of new socialist countryside, the construction of a harmonious society in rural areas, the stability of rural economic and social development.