Research Of The Role Of Rural Credit Cooperatives In Rural Economic

Damaoqi rural credit cooperative(RCC) in Inner Mongolia is a typically RCC which provide service in three rural & three agriculture, founded in 1953, as a major financial institutions which deposit and lending market share for many years in banner area financial institutions. It’s deposit balance up to 1530M that increase of nearly doubled in 2011, and the loan balance reached 1254M that also doubled compared with 2011, the bad backlog decreased from about 86M to 44M. But it lack of rural credit cooperatives of alum flag for capital centralized operation channel and big project working experience; Bad loans disposal, legal risks, the county as the institutional investor, single-soldier combat malpractices gradually exposed; To write off bad loans difficult deductions.In this thesis, I through on-the-spot investigation and the method of deep Inner Mongolia credit cooperatives in banner area, to find the truth, collect data, illustrates the developing bottleneck faced by RCC of Damaoqi RCC, looking for a way in accordance with local, characteristic development, that is to speed up the pace of rural credit cooperatives reform; Improving the capacity of increasing middle income; With the aid of opportunities open to the north of Inner Mongolia, actively develop international financial business, in turns of it is concluded that the development direction of RCC, it is will continue to service in the future with new look of the rural financial market; Secondly, the RCC organization form will be more in line with the modern enterprise management mode; The third, is the internal control system will be more compliance, risk consciousness will further improve; The Fourth is the business scope will expand further, more rich product category; The fifth is to help farmers modern financial technology service will become one of the advantages of the new rural credit cooperatives.