Research On The Development Of New Rural Cooperative Finance In China

Rural financial reform has always been a hot topic in China.As an important part of the rural financial system,Rural cooperative finance is related to the development of rural cooperative economy and the lifeblood of agricultural economy,for a long time,it has played a very important role in promoting the development of agricultural production,increasing farmers' income and new rural construction.Since the founding of new China,rural credit cooperatives,which are typical representatives of rural cooperative finance in China,have gradually deviated from the essence of cooperative finance and have been moving towards commercialization after decades of reform and development.With the alienation of rural credit cooperatives,China's rural cooperative financial market gradually vacancies,and thus the need for new cooperative financial institutions to make up for this vacancy.In recent years,with the central government to develop rural cooperative financial attention has been increasing,and the introduction of some relevant documents,in China's rural financial market,new rural cooperative financial organizations continue to emerge,such as rural credit cooperatives,poor village-level mutual aid Funds and relying on professional cooperatives to set up mutual financial organizations,etc.,these new forms of cooperation and development of financial cooperation will certainly have an important impact on China's rural cooperative financial markets.On the basis of the theory of cooperative finance,this paper makes use of the method of literature analysis,comparative analysis and normative analysis,through the introduction of the new rural cooperative finance in China and the research on the development status quo,it is concluded that China's new rural cooperative finance has made great progress,there are two typical development model,namely,"100 letter mode" and "Shandong model",but there are still many problems,such as the rural credit cooperatives are developing slowly and operating difficult;although the development of poor rural fund mutual aid societies is rapid,but the development is very uneven and the management talent is scarce;the mutual aid organizations established by the farmers' professional cooperatives are developing slowly and lack the corresponding policies and Legal basis.On the whole,the development of newrural cooperative finance in China is facing the problems of legislation lag,lack of policy support,irregular management of financial organization,and lack of sound risk prevention measures.After drawing lessons from the experience of foreign developed countries on the development of rural cooperative finance,it is proposed to develop China's new rural cooperative finance,one must strengthen the relevant legislative work;the second is to increase government support;third is to broaden the new cooperative finance organization of financing channels;four is to adhere to the true nature of cooperative finance;five is to establish a sound risk prevention and treatment mechanism.The possible innovation of this paper is as follows: First,the concept of new rural cooperative finance is defined.Second,in the development of new rural cooperative finance,put forward to some of my own words.