Study On The Share-holding Property Rights System Reform Of The Rural Credit Cooperatives Of Q County

China is a large agricultural country,the development of rural economy need the strongly support of rural finance,and Rural credit cooperatives has a pivotal position in rural economy of our country,it’s the main force of rural finance.However, due to China’s current rural credit cooperatives have big disadvantages in many aspects, especially in property right system,this state of unclear property right is not enough to support a healthy development of rural credit cooperatives,and rural credit cooperatives are not playing a good role in rural finance.The current mode of rural credit cooperatives reform in China has three main kinds----Cooperative system and share cooperative system(rural cooperative Banks) and joint stock system(rural commercial bank).After decades of explore and the research of many experts and scholars,China’s rural credit cooperatives have finally found a way of reform which adapts to China’s national conditions:rural credit cooperatives in different places reform independently according to their own development status and prospects for reform.In recent years,rural credit cooperatives in some developed areas started to try the rural commercial bank model share-holding property rights system reform as pioneers,and they achieved some success.But for those rural credit cooperatives in small counties whose capital strength and the enterprise scale are small,it’s a lot harder to reform.First,the introduction part of this paper introduced the background of this article’s topic research purpose and research significance.And the point of view and the research status of the property rights system for rural credit cooperatives which held by each said was introduced.Then the research content and the research methods and the innovation of this article. The main research methods are that positive analysis、literature research method and empirical research combined with theoretical research.Rural credit cooperatives’ share-holding property rights system reform are analyzed.In the second part of theory, analyzed the characteristics of the current property right system of rural credit cooperatives in China.Summarized the basic requirement setting up the rural commercial bank.The third part of the article combined with empirical Q county rural credit cooperatives reform process,summarize the practical problems that Q county rural credit cooperatives encountered in the process of the reform, analysis the possible problems and difficulties that county rural credit cooperatives may have when they reform.Put forward that county rural credit cooperatives’ reform was although specific but difficult,although the policy effectively but there were still problems.The fourth part to learn from country county property rights system reform of rural credit cooperatives joint-stock successful cases and failed cases in the country, to provide support and help for Q county rural credit cooperatives’ rural share-holding property rights system reform.The fifth part put forward advice for the county rural credit cooperatives’ share-holding property rights system reform,including: Improve the asset quality in advance, Reasonable repel and existing capital, Vigorously promote increase endowment spread, Prevent deterioration of asset quality in advance etc.