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Innovation of Chinese rural cooperative financial system

Author: RuanXiaoLi
Tutor: FengZhaoBo
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: Cooperative financial organizations Rural credit cooperatives Institutional innovation China's rural areas Research Financial system Rural Cooperative Finance Cooperative principles Theoretical definition Operating mechanism
CLC: F832.35
Type: Master's thesis
Year: 2000
Downloads: 370
Quote: 0
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Abstract

Cooperative Finance has been since the 1850s, more than 100 years of development history. Cooperative Finance in the world's financial system has become an integral part of a very unique and indispensable. In the rural cooperative finance after a tortuous course of development, is currently in the transition period of structural reform. Thus, with the financial system and the deepening of the reform of the rural financial system, research on institutional innovation for rural credit cooperatives, it is very necessary and urgent. Because it relates to the survival and development of the rural credit cooperatives, it is related to the success or failure of the reform of the rural financial system. Under the guidance of the theory of cooperative financial, to learn the lessons of history, to learn from foreign experience, suitable for China's rural cooperative financial system of the survival and development of institutional innovation. The full text is divided into five parts. The first part of the \In this section mainly on the production, development and its theoretical definition of the cooperative financial theory. First analysis of the origin of cooperatives and their representatives figures cooperation theory, pointed out that the main representative of cooperation based on the theory, and gradually formed a seven principles of internationally recognized cooperatives do community. The second section describes the cooperative financial Thought of Mao Zedong in the new-democratic revolution, the transitional period of socialism and its socialist initial stage of the cooperative financial thinking, pointed out that the rural credit cooperatives must adhere to the cooperation of a financial nature, will truly become a mass cooperative financial organizations. Finally, the cooperative financial theoretical positioning, and pointed out that the essential characteristics of the cooperative financial shares by the members, the implementation of democratic management of members, for members to provide financial services. Financial cooperation should have the general characteristics of the basic properties of the cooperative economic and financial sectors, but are not able to co-finance as a simple sum of the cooperative economy and the financial sector, according to specific rules should be cooperation in economic and financial industry are intertwined to form the cooperative financial. Second part of the evolution of its current system of Chinese rural cooperative financial system defects. \In this section, first by analyzing the evolution of China's rural credit cooperatives has survived multiple system proved delegated to local rural credit cooperatives tube, and disorder; tube to the bank, one dead; only adhere to the principles of cooperative to good credit cooperatives. Then the root lt; WP = 3 GT; China's current rural credit cooperatives, according to co-finance the theoretical definition, inspection, it is not difficult to find that China's current rural credit cooperatives are not cooperative financial organizations, in the true sense of the following shortcomings in the current system: The behavior of rural credit cooperatives and the absence of dislocation and functions, not rationalize the organization and management system, operation mechanism is not perfect, imperfect internal control mechanisms, survival and development of the external operating environment. The third part of the \China's current rural credit cooperatives is not the true sense of the cooperative financial organizations in market economy conditions, as weak producers farmers objectively need cooperative economic organizations as a bridge and link to connect farmers to markets, organize farmers to enter the market, to resolve the contradiction between small producers and large markets. But with the deepening of the reform of the financial system, farmers to get financial support of the National Bank is very difficult, not for commercial banks because of the profit, policy bank policy, rural cooperative foundations and clean-up rut and so innovation rural cooperative financial system, the rural credit cooperatives into cooperative financial organization in the true sense of the very necessary and urgent. It is the objective needs of the existence and development of rural economic form; rural credit cooperatives own survival and development of the objective needs; objective need to establish and improve the rural financial system. Part IV \After more than a century of continuous development, many countries co-finance is gradually tends to standardize and improve, especially the United States, Germany economically developed countries in these markets, but also credit cooperatives was born earlier, more credit union organizations, a greater impact countries. Highly developed commercial finance in these countries and credit cooperatives With its perfect management system and operating characteristics, sustained and stable development, constitute a necessary component of the financial system as a whole. By find can learn from the experience, deepen reform of rural credit cooperatives in China, will undoubtedly have important theoretical and practical significance. The fifth part, \From the above analysis, eventually settled on how innovative rural cooperative financial system on this issue, from the five aspects of the countermeasures and suggestions of the of innovative rural cooperative financial system. Cooperative principles regulate rural credit cooperatives, is based on the basic connotation of the cooperative system, control the Credit Union lt; WP = gt; actual key link embodies the connotation of the cooperative system specifications, embodied in equity set, democracy management, service orientation, and the distribution of profits in four areas. New rural cooperative financial management system, the goal is to gradually divided out: temporarily assumed by the People's Bank of China industry management functions of the rural credit cooperatives, the establishment of rural credit cooperatives to operate independently, self-restraint-based, county, city (prefecture ) Union industry management, the national and provincial associations self-regulation, the deposit insurance system and supervision according to law by the People's Bank of China cooperative financial management system. Third, innovation and operational mechanism. In order to make the rural credit cooperatives should have the vigor and vitality of the cooperative financial, you must press the connotation of the cooperative financial reconstruction of its operational mechanism. Incompatible with the principles of cooperative management mechanism formed under the old system for a long time to conduct a thorough transformation, drawing on the successful introduction of commercial banks, state-of-the-art operating mechanism and enhance the vitality of the cooperative financial organizations in market economy and adaptation sex. Fourth, innovation and internal control mechanisms. Rural credit cooperatives, like other financial institutions, special operating currency, deepening the reform and promote their healthy development, it must guarantee the security of its assets in the course of business, liquidity, effectiveness, so you must establish a sound effective internal control mechanism to ensure the normal operation of its business activities. 5 is an innovative cooperative principles for the content of laws and regulations, policies and systems. This funding to support the \The papers theory with practice, learn from the successful experience of foreign financial cooperation, drawing on the latest research achievements of scholars at home and abroad, was investigated on a number of practical problems, in the theoretical analysis at the same time, pay more attention to its

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