Research On Rural Credit Cooperatives’ Support To Agriculture, Rural Areas And Farmers Under The Reforming Background

Along with the reform of our market economy and the financial system, the rural financial organization system and system construction is improving. Rural credit cooperatives, as one of the troika of rural financial institutions system, plays a main role in the support of "agriculture, rural areas and farmers".But also exposed in the process of development of the heavy historical burden, unclear property rights system, incomplete management system, lack of financial innovation, and many other problems,and it appeared a lot of difficult to overcome the contradiction by itself. How to improve in the reform of its problems, which restrict the development of the rural credit cooperatives further transformation of rural credit cooperatives management system, makes the modernization process of the bank; How to face the new urbanization brings the pressure of competition and survival crisis; How to adjust the rural credit cooperative’s own short board to adapt to competition open financial environment, to find the business model and orientation of itself, in order to realize the sustainable development of itself and more on the support of "agriculture, rural areas and farmers" economic support, is the current rural credit cooperatives must be preferred to think and solve major issues.First of all, this paper analyzes the problems in rural financial problems for further research on rural credit cooperatives development from the perspective of the rural finance in China. Second introduces the development course through the basic concept of rural credit cooperatives, the internal management of rural credit cooperatives in our country, the system construction and model of development in the future. Then the paper analyzed the current reform of rural credit cooperatives in our country present situation and the existing main problems. Then in ** rural credit cooperative association, for example, through to the ** rural credit cooperatives through analyzing the operation of the internal contradictions of system, lack of detailed exploration of the rural credit cooperatives reform and innovation path. The innovation of this article is put forward after the rural credit cooperatives reform to support rural economic policy set. Including set up support "three rural" economic position in the market, build support the internal mechanism of "agriculture, rural areas and farmers" economy, innovation support "three rural" economic way, explore the inter-district operation of rural credit cooperatives, the implementation of support the marketing strategy of "three agriculture" the economy, including rural credit product strategy, developing rural characteristic credit, argues cooperation debit card online direct marketing business, the development of mobile phone bank, agricultural bank, Rio’s new services, rural credit product pricing strategy. Finally, some suggestions are put forward for deepening the reform of rural credit cooperatives in our country, perfecting the system of rural credit cooperatives and how to "three agriculture" economic support to provide realistic reference value.