Research On The Construction Of A New Rural Cooperative Financial System In The Supply And Marketing Cooperative System

Cooperative finance plays an important role in promoting the development of rural industry and economic level.However,compared with Japan and other countries with a perfect rural cooperative financial system,China's cooperative finance is faced with such problems as no external legislation and weak internal management.Represented by rural credit cooperatives in our country's traditional cooperative finance has been a serious alienation,to establish the new type of rural cooperative financial system meeting the needs of improving the structure of the rural financial demand,help to achieve the standardization of the cooperative financial organization development,enhance the level of talent quality and management technology,establish and improve the risk prevention and control mechanism,thus to build rural cooperative financial system is necessary and important.As the largest cooperative economic organization in China,the supply and marketing cooperative undertakes the mission of serving agriculture.At present,supply and marketing cooperatives in many places are carrying out pilot projects of new rural cooperative finance,which has accumulated valuable experience for the development of new rural cooperative finance.However,the development of rural cooperative finance in supply and marketing cooperatives is faced with such problems as lack of joint development,lack of professional talents and lack of leadership rights,etc.Building a new rural cooperative financial system within supply and marketing cooperatives is an effective solution to the problem of rural cooperative financial development.The establishment of a new type of rural cooperative financial system within the supply and marketing cooperatives is in line with the supply and marketing cooperatives' goal of serving farmers,as well as with the multidimensional advantages of the supply and marketing cooperatives in terms of politics,management and talents.Japan cooperative finance has a perfect organizational system combining top-down and bottom-up,effective supervision mechanism and risk prevention mechanism,perfect legal system and strong government support.By referring to the experience of Japan,China's supply and marketing cooperatives should adhere to the principles of guaranteeing the right of use,management and ownership of members in building a new type of rural cooperative financial system.It should include twosubsystems,namely the credit system and the support system.The credit system mainly consists of the establishment of a four-level cooperative financial organization "national level-provincial level-county level-grass roots level".The supporting system mainly includes the establishment of risk prevention and control mechanisms such as credit guarantee system,mutual assistance system and deposit insurance system.In order to ensure the smooth construction of the new rural cooperative financial system of supply and marketing cooperatives,the supply and marketing cooperatives should carry out the internal construction from the aspects of personnel training and improving the management system,and strive for the support from the government in the aspects of finance,legislation and supervision.