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Finance is the core of modern economy , rural finance is an important part of the financial system , rural financial capital as a rural economic development in the most basic elements of the configuration system to crack the \Rural credit cooperatives as the main force of rural finance and contact the financial ties of the broad masses of peasants , in promoting the development of agriculture and rural economy , building a new socialist countryside , plays an important role. Especially in the reform and opening up , the rural credit cooperatives to serve the \Kunming, the first rural credit cooperatives, - Penglai rural credit unions set up in 1952 . After 50 years of development , the reform of rural credit cooperatives in Kunming career development has made remarkable achievements , the institutional system continues to improve, the scale of operations continues to grow, the effectiveness of the service \market share. The same time, we should also see the Kunming rural credit cooperatives also unclear property rights , rights , responsibilities and interests are not uniform , inefficient internal governance ; \dispersed corporation is not conducive to the scale of operation ; the capital small-scale , weak ability to resist risks ; aging workforce , low cultural level ; single business structure , financial product innovation capability is weak and other unfavorable factors . Face of the current economic development in Kunming into the golden period, has entered a crucial period of reform and innovation , opening up into the acceleration period , the culture industry has entered a period of prosperity , social construction into the transition , the acceleration of industrialization , information technology upgrades , urbanization increase , market-oriented transformation and international of the expansion of the new situation , a new and higher requirements for the development of rural credit cooperatives in Kunming . In this paper, the current development situation of rural credit cooperatives in Kunming , use the analysis SOWT instance , rural credit cooperatives in Kunming formation of Kunming rural commercial banks, development ideas go Rural Commercial Bank mode . From the point of view of property rights and internal governance put forward countermeasures and suggestions for the future development of the rural credit cooperatives in Kunming .
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