New Rural Cooperative Finance Pilot Case Study On Zaozhuang City

With the development of rural economy and the improvement of the financial environment,the rural cooperative finance continuously,which is adapted to rural development way of a new type of cooperative finance,not only can promote the sound development of rural economy,but also can drive the financial a wide range of business,in line with national policy support,help agricultural development,promote the growth of national economy better and faster.With the use of the Internet and the development of financial technology,the form of rural cooperative finance is more and more abundant.After the national policy relaxed the access of financial industry to rural market,the development of new rural cooperative finance is further deepened.There are very good promotion strategies and publicity channels in rural areas to drive the rapid development and progress of rural areas.Meanwhile,it can also promote the improvement and improvement of new rural cooperative finance.In January 2015,approved by the state council,in Shandong province in the country take the lead to carry out the pilot work,a new type of rural cooperative finance of Zaozhuang is pilot city,the provincial government identified as credit mutual business priorities by farmers,the scattered money together,after the establishment of rural credit cooperatives,directional helping farmers produce,effectively cracked due to the lack of security in rural areas,the situation of the distributed small loans difficult.Based on the comprehensive application of agricultural credit subsidy theory and imperfect competition market theory,this paper explores the development of new rural cooperative finance in Zaozhuang city by means of literature review and case study.Firstly,a detailed literature review is made on the research results of rural cooperative finance at home and abroad.It is found that the rural cooperative finance system has not been formed in China and there are few practical case studies on innovative rural cooperative finance.Secondly,taking Zaozhuang rural cooperative finance as a specific case,this paper introduces the basic status quo of the new rural cooperative finance in Zaozhuang from the aspects of the basic requirements,access conditions,membership management and external supervision of the new rural cooperative finance,and introduces the specific mode and good results of the rural cooperative finance in Zaozhuang.Again,combining the reality of Zaozhuang rural cooperative financial development,and further find a new type of rural cooperative financial Zaozhuang at present,there is a sustainable development,the asymmetric capital supply and demand,policy,system and development environment is not sound,and such problems as lack of financial risk control,at the same time,aiming at the existing problems and the corresponding Zaozhuang reason analysis;Finally,based on the above theory and case analysis,from the strengthening of rural cooperative financial sustainable development,actively explore a contribution money paid in system,optimize the environment of rural cooperative finance,perfect the rural cooperative financial risk prevention mechanism,to promote the sustained and healthy development of the new type of rural cooperative finance,Zaozhuang and for the future of the new rural cooperative finance in our country future development prospects.