Study On The Development Of Rural Credit Cooperatives In Heilongjiang Province

Rural credit cooperatives as the main force of the rural finance of our country, not only to meet the demand for loans for farmers in agricultural production, but also provide a variety of financial services for farmers, improve the living standards of farmers and the rapid development of the rural economy to the role. With the constantly increasing of our country on various areas of rural credit cooperatives reform, the development of rural credit cooperatives is also getting better and better, organization structure and management system of continuous improvement, agricultural loan business has become more and more diversified gradually to meet the diversity of the main demand of the rural business. However, there are still a lot of problems in the development of different regions in China, rural credit cooperatives, this paper take the Heilongjiang Province Rural Credit Cooperatives as the main object of study, through field interviews and surveys collected a lot of data, through carries on the reorganization analysis the development process and the status of rural credit cooperatives in Heilongjiang Province, in view of the present situation analysis of the existing problems, and put forward feasible countermeasures and suggestions. Therefore, it has certain theoretical and practical significance to study the rural credit cooperatives in Heilongjiang province.This paper first introduces the research background and significance of the development of rural credit cooperatives in Heilongjiang Province, domestic and international research status, as well as the content of this paper, research methods and technical routes. After the adoption of the concept of rural credit cooperatives and cooperative system theory, financial repression and financial deepening theory, rural financial market imperfect competition theory, the three basic theory detailed definition and analysis, to grasp the overall understanding of rural credit cooperatives, laying the groundwork for the better for the in-depth study. Secondly, research on the development of rural credit cooperatives in Heilongjiang Province, which is divided into three main stages, namely initial pilot, tortuous development and deepening reform stage. Through the study of different stages of the development of rural credit cooperatives in Heilongjiang province history, and get inspiration. Then separately from the organization structure present situation and the management present situation two aspects to carry on the analysis to the Heilongjiang province rural credit cooperative's development present situation. Again, according to the historical and current development of rural credit cooperatives in Heilongjiang Province proposed the existing main problems are regional imbalance in economic development, rural credit cooperatives lack of good corporate culture, risk control ability is weak, adverse loan, fault of human resources, the lack of compound talents, weak innovation ability, lack of enthusiasm for innovation, backward management system and management mechanism is not perfect, lack of supervision system, the government is not separated sense of responsibility is not clear. Finally, aiming at the main problems of Heilongjiang Province Rural Credit Cooperatives existing at the present stage, puts forward corresponding countermeasures and suggestions, including the establishment of scientific and effective platform, improve the quality of existing staff, perfect farmer credit evaluation system, strengthen risk control, improve the corporate governance structure, improve the internal management mechanism, improve electronic technology service system, shift functions of the Provincial Association, innovative ways of working, to promote financial innovation ability, promote the enterprise culture.