A Study On The Supplement Of Capital Of Rural Credit Cooperative In A

A rural credit cooperative union (hereinafter referred to as a rural credit cooperatives) was established in September 1951, is the establishment of the province's first a rural credit cooperatives. Over the past 60 years, from scratch, from small to large, from weak to strong, and gradually developed into a county financial system in an important financial institutions. To accelerate the reform of property rights system, and effectively change the operating mechanism, enhance service, three rural functions, and better serve the county's local economy and new urbanization, according to the spirit of the higher level, A rural credit cooperatives officially launched the establishment of rural commercial banks to promote the standard of the formation of agricultural firms. Capital adequacy ratio is the biggest problem in the process of rural credit cooperatives in rural areas of A. It is necessary to add enough capital and raise capital adequacy ratio. Therefore, it is very important to study capital replenishment in the process of rural credit cooperatives reform in A.A rural credit cooperatives after years of development, the increasing scale of business, especially in recent years, the rapid development of business, the rapid development of the scale of assets need adequate capital support, and throughout a rural credit agency shares the development history, capital although in different historical stages have been added, but has not yet formed a perfect capital supplement mechanism. According to A rural credit cooperatives in the next five years development strategy planning, with the expansion of its asset size, capital will have a larger gap, the internal demand of capital, and then from the external environment, the formation of rural commercial banks require A rural credit cooperatives sufficient capital, the strong demand for funds and A rural credit cooperatives loan size continues to expand, coupled with the banking industry in Basel new capital agreement and non regulatory requirements of the banking sector, to supplement the capital has become a priority A rural credit cooperatives.A rural credit cooperatives have some problems, such as heavy burden of history, external financing, loan quality is not high, the lack of laws and regulations and policies, etc., so it must be found for A rural credit cooperatives of capital, and from the endogenous and external sources to supplement the capital, strengthen asset management is the fundamental solution to the problem.