Research On The Cooperation Mode Of Rural Financial Institutions In China

With the development of the financial market,financial institutions such as large commercial banks and city commercial banks begin to build multiple cooperative relations,form various forms of strategic alliances.Although it meets the needs of the cross-regional development of city commercial banks,it also impacts the development of rural financial institutions.In the face of increasingly competitive environment of market,the trend of the development of the rural financial institutions are beginning to form cliques.Different requirements lead to the diversification of patterns of cooperation.Rural financial institutions enhance their competitiveness in a cooperative manner.To study the cooperative mode of rural financial institutions is helpful to the operation and development of rural financial institutions,as well as to promote the development of rural finance.At present,China's rural financial institutions have established cooperative mode,including entrusted agency cooperative mode,wholesale loan cooperative mode,alliance platform cooperative mode and financial holding company cooperative mode.The number of cooperative organizations is increasing and the content of cooperation is more comprehensive.Moreover,the cooperation of rural financial institutions in various modes can effectively increase rural financial supply,expand rural finance business,and form the complementary advantages of different levels of institutions.It is necessary to implement cooperative mode for the development of rural financial institutions.The choice of cooperation mode needs to be considered in terms of cooperative content,advantages and disadvantages,constraint conditions and suitable areas.Based on the comparative analysis,this paper analyzes the above factors and provides a simple basis for rural financial institutions to select appropriate cooperation modes.Rural financial institutions should choose one or more modes of cooperation according to the specific situation.In this paper,the operation of various cooperation modes is analyzed withdifferent types of rural financial institutions.Then by enumerating the cooperative model of foreign rural financial institutions,we conclude that China should pay more attention to the government guidance,supervision,cooperative finance and other aspects.Furthermore,the research on the cooperative mode of rural financial institutions in China is carried out.We should not only improve the external operating environment of the model,but also improve the various safeguard mechanisms and promote the innovative development of the model.