The Development Of Rural Cooperatives Funds From The Practice Of Rural Cooperative Financial

On 27 January 2016, the CPC Central Committee and the State Council issued entitled "on the implementation of the development of new ideas to speed up agricultural modernization target of building a well-off society in an all-round way in a number of opinions". This is since 2004,the Central Document No. 13 th consecutive focus on "agriculture,countryside and farmers", highlighting the agriculture as the first industry of our country in the national economic and social development plays an important role. The development of modern agriculture, agricultural industrialization scale operation, Internet plus the rise of agriculture, rural public infrastructure construction more and more demand for funds, so how to reform and innovation of rural financial organization, rural development fund supply foot problems, theory and practice become an important issue to be solved.With the further deepening of the reform of the financial system,commercial banks and other financial institutions for the pursuit of profit gradually withdraw from the rural economic services, making China's rural financial coverage is narrow, the outflow of capital in rural areas. At the same time, the formal financial institutions in the system under the background of existing process is difficult to meet the development of China's rural economy in the low cost convenient financing needs.Therefore, study of rural cooperative finance for flexible adjustment of idle funds in the rural areas, solve the cooperation between low cost convenient financing problem for the lack of formal financial services,and promote the healthy development of the rural economy plays an important role.Cooperative financial organizations in order to ease the problem of money demand in the process of development of the rural economy,especially low-income financing and financing your problem, an important method to solve the problem, to the advantage of voluntary contribution,democratic management and mutual aid and cooperation in a timely manner to meet the funding needs of vulnerable farmers. After 170 years of continuous development, mature cooperative financial system has become an important part of the financial system in the world. Mature rural cooperative finance system in Germany, the United States, France,Japan and India have distinctive. And in the development history of our cooperative finance, the once prosperous moment of the rural cooperative fund will has voluntarily withdraw from all over the rural credit cooperative union also in the financial reform in alienation for commercial banks. At present, China's formal financial cooperation mode only rural mutual cooperative development, and because of many factors in the rural credit union funds is not very smooth, it is difficult to spread throughout the country.Firstly, this paper reviews the related basic theories and cooperation theory of the origin and principles, and then elaborates on the foreign typical models of rural cooperative finance, and the organization mode are analyzed, find out our country can learn from the experience. In order to further find effective ways for the development of our country cooperative financial organization, the from the actual situation of China's rural finance of review of the cooperative financial organizations in the course of development of our country, and demonstrates the necessity of development of our country's rural cooperative financial organizations in,in-depth study of the current situation of the development of the current stage of China's rural cooperative financial organizations and the existing problems, and auxiliary to case in Cangxi County, Si Chuan Province Yi Min rural fund mutual agency the Growth Logic of practical demonstration. The basic idea is in foreign rural cooperative finance pattern and successful experience based learning, combined with rural financial situation in China, put forward China's rural cooperative financial reform, the development of the target path and countermeasures.It is hoped that through this study, it will be a more appropriate way to develop rural cooperative finance.