The Credit System Research Of Cultivation Fund Mutual Cooperation Organization

Since the People's Republic of China has explored ways to promote cooperative economy of production,supply and marketing,credit,cultivation fund mutual cooperation organization have enjoyed greater space for development.At the first session of the thirteenth National People's Congress in 2018,President Xi have,once again,underlined to vigorously develop cultivation fund mutual cooperation organization,to make sure that the rural society is dynamic and stable.however,during the practice,some cultivation fund mutual cooperation organizations have a relatively high delinquency rate,members overdue payment is large,members credit is uneven.if members follow the dishonest conduct,potential credit risk will increase.As a result,we should let members obey credit and avoid credit risk by credit system.cultivation fund mutual cooperation organization cannot live without credit system.How to develop the value of credit system?How to perfect credit law system?That is the basic requirements of cultivation fund mutual cooperation organization healthy development,and pursuit goals of energizing economic strength.This paper analyzes the following problems existing in the credit system,by sorting out the credit system of cultivation fund mutual cooperation organization pilot in Shandong province,Zhejiang province,Sichuan province,Anhui province,adopting the logical analysis method of problem-cause-countermeasures,combining with the practice of each pilot credit system.Basic information collection and processing:The composition of the collection subject is unreasonable,The scope of information collection does not cover the property information of family members,and basic information collection lacks provisions of preparatory procedures,basic information is not classified according to common attributes,no verification team is established to verify basic information,and credit files are static.Credit rating: the personnel composition of the main body of the rating is inappropriate,the rating indicators pay too much attention to moral factors,the rating procedures are lack of practice,and the credit rating is static.Credit reward and punishment:one-sided emphasis on punishment and neglect of reward,lack of investigation,verification,appeal procedures.Credit information sharing: the sharing objects are only limited to the internal organization,the electronic credit information sharing system lags behind,and the credit repair system is too principled.Supervision: multiple supervision leads to no supervision,the supervision indicators are too strict,and the supervision procedures are too rough.In order to solve the above problems,normative analysis method,empirical analysis method and literature review method were used.Combined with the practical experience of various pilot projects in China and Bangladesh,the United States and France,putting forward countermeasures to improve the credit system of cultivation fund mutual cooperation organizations.Basic information collection and processing: reasonably set up the basic information collection team,increase the family property information in the project content,increase the preliminary preparatory procedures,classify basic information according to common attributes,establish basic information verification team,standardize the electronic and timely recording of credit archives.Credit rating: credit rating assessment team should be set up properly,economic factor and moral factor scores should be determined appropriately,credit rating procedures should be refined,and dynamic credit rating should be stipulated.Credit reward and punishment: increase the reward system,increase the investigation,verification and appeal procedure provisions.Credit information sharing: expand the scope of information sharing subjects,promote the construction of electronic credit information sharing system,and improve the credit repair system.Supervision: define the centralized supervision subject,determine the actual supervision indicators of the organization,refine the supervision procedures,and guarantee the credit information security of members.In addition to the introduction and epilogue,this paper is mainly composed of four parts.The first part is the related theory analysis of cultivation fund mutual cooperation organization credit system.This part first elaborated the concept of cultivation fund mutual cooperation organization,member credit,credit system.Then this paper analyzes and improves the credit system of cultivation fund mutual cooperation organization from the aspects of system theory,fund security theory,moral risk theory and honest credit theory.The second part is the pilot project of credit system of cultivation fund mutual cooperation organization.This part combines the operation status of cultivation fund mutual cooperation organization in Shandong province,Zhejiang province,Sichuan province,Anhui province and other pilot areas,and focuses on the pilot project of member credit and credit system,so as to lay a practical foundation for analyzing the problems existing in the credit system.The third part is the existing problems of the credit system in cultivation fund mutual cooperation organization.From the five aspects of basic information collection and processing,credit rating,credit reward and punishment,credit information sharing and supervision,further analyzes the problems of the credit system in cultivation fund mutual cooperation organization at specific levels,such as establishment of legal subject,object scope and procedure rules.The fourth part is the improvement of the credit system in cultivation fund mutual cooperation organization.On the basis of the problems,countermeasures are put forward from five aspects: basic information collection and processing,credit rating,credit reward and punishment,credit information sharing and supervision.