Research On The System Reform Of County Rural Credit Cooperatives

The reform of rural credit cooperatives is an important issue of rural finance,China's rural credit cooperatives since its inception in 1950 s,has experienced many reforms.With the country's emphasis on the "three rural" issues and the implementation of the national implementation of the new socialist rural policy,the reform of rural credit cooperatives has become the focus of attention and hot spots.Its reform and development is not only the concern of the national financial management departments,but also by the provincial Party committee and provincial government attaches great importance to.In recent years,Yunnan Province,the management system,internal mechanism and the development of rural cooperative finance,according to the State Council on deepening reform of rural credit cooperatives reform program,the provincial government's leadership and the people's Bank of China Banking Regulatory Bureau,Finance Bureau and other aspects of the smooth progress,and achieved great results.After nearly a decade of reform,the County Association of rural credit cooperatives in Yunnan has initially established a governance mechanism inside the members of the general assembly,Council and board of supervisors will check and balance each other.But the practice has proved that the corporate governance structure of rural credit cooperatives still exist great defects,such as members of Congress to supervise the management of rural credit cooperatives and business development goals and regulatory guides contradiction,higher association of lower level association management category and regulatory guidance thinking to conflict and so on.These problems need to be solved,the problems that hinder development should be resolved through reform.Aiming at the above problems,through literature analysis and case analysis method of combining with Yunnan province reform status and management related data for case study.First describes the background and significance of the research route and methods,the use of technology innovation;and then find the relevant theoretical research status and the research at home and abroad are involved in the reform of Rural Credit Cooperatives: intensive growth strategy and small bank advantage theory,cooperation theory;third,collection mode and an overview of the development and reform of J County Rural Credit Cooperatives,analyzes the importance of the reform of rural credit cooperatives in the county;fourth,analysis of the J County Rural credit cooperatives development using SWOT;finally,combined with the existing problems and the related discussion and the rural credit cooperatives of Yunnan actual,put forward to the Yunnan County Rural Credit Cooperatives deepening system reform should to the county rural commercial bank reform,to promote reform,establish a scientific internal management system and actively explore the market,innovation and business innovation and development etc.Relevant suggestions and views.