The Design And Optimization Of The Corporate Governance Reform Plan For Rural Credit Cooperatives In Shaanxi Province

Shaanxi rural credit cooperatives reform is the key nodes in the development of rural financial market in shaanxi province, shaanxi rural credit cooperatives is the main providers of financial services in rural areas of shaanxi province, for the development of rural economy important role. Shaanxi rural credit cooperatives in different development period, to shaanxi province agricultural production and rural economic development have made outstanding contributions. With the acceleration of the current urbanization in the county of shaanxi province,part of the agricultural financial institutions contraction of the actual situation of rural network original organizational structure and operation mechanism of rural credit cooperatives has already can not adapt to the current rural financial environment. Since 2003, shaanxi rural credit cooperatives continuously strengthen its own property rights model and organizational structure reform and innovation, shaanxi rural credit cooperatives shall be under the jurisdiction of transferred to the provincial government, the establishment of the provincial association of counties in the province industry management for rural credit cooperatives, the county rural credit cooperatives shall apply a single-level legal person and the joint stock cooperative system reform. Overall, the shaanxi rural credit cooperatives system reform also made some progress, rural credit cooperatives in the central bank's policy support and financial support, their balance sheets and operating situation has improved. But due to the accumulation of a large number of rural credit cooperatives heavy historical burden and their own management problems, especially the defects in corporate governance structure, internal and external constraint mechanism is not sound, led to the current shaanxi province rural credit cooperatives reform faces many problems.The shaanxi rural credit cooperatives system reform has entered the crucial stage, the direction of the reform of rural credit cooperatives system in shaanxi is a comprehensive shareholding system reform, gradually fade out of the rural credit cooperatives owned properties. In this round of reform, the establishment of a clear division of responsibilities, clear stake, supervision in place, democracy, scientific corporate governance structure is the core issue of reform, to further deepen the reform of the rural credit cooperatives has important significance.In this paper, in-depth study of shaanxi rural credit cooperatives at present property right system and management system, as well as the present situation of the rural credit cooperatives legal person governance structure, existing problems and the consequences, at the same time drawing on the successful experience of foreign rural financial cooperation agencies. In shaanxi rural credit cooperatives system create joint-stock commercial Banks under the goal of corporate governance structure, adhere to the reform of rural credit cooperatives based on "three rural" service, promote the reform of property right system and management system, put forward optimization design of corporate governance reform of rural credit cooperatives in Shanxi Province. For shaanxi rural credit cooperatives to further deepen the reform of the shareholding system and improve the corporate governance structure and to provide theoretical research materials and rationalization proposal.