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The Study on the Reform and Development of Rural Credit Cooperatives in Underdeveloped Area

Author: XieYun
Tutor: LeiHaiZhang；LiTongMing
School: Huazhong Agricultural University
Course: Agricultural Economics and Management
Keywords: Rural Credit Cooperatives Underdeveloped areas Cooperative Reform Institutional innovation
CLC: F832.35
Type: Master's thesis
Year: 2005
Downloads: 488
Quote: 3
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Abstract


After 50 years of development, rural credit cooperatives have become an important part of China's financial system, and made a great contribution to the development of the rural economy and the national economy. However, at the same time support the rapid development of China's agriculture and rural economy, the rural credit cooperatives own accumulation and facing many problems to be solved. 2004, \To increase their investment, tax breaks, has created unprecedented opportunities for the development of central bank bills and re-loans funds to support programs for the reform of rural credit cooperatives. Constraint mechanism in accordance with the \Support policies truly spend money mechanism \Due to the imbalance of China's economic development, relative to the developed regions, the economically less developed areas of the peasant masses more financial services in rural credit cooperatives, local governments need more of rural credit cooperatives to support the \The lack of capital, property rights are not clear, heavy historical burden, and management system that is not poor operating conditions, the adverse external environment many serious problems restricting the survival and development of the local rural credit cooperatives. How to explore an appropriate development path, according to the the endemic natural, social and economic situation, which not only has profound theoretical significance, but also has a strong practical significance. Text is divided into four parts: the first introduces the purpose and significance of this writing, research trends at home and abroad, and this study methods and ideas; basis of a review of the second chapter in the investigation of financial development mode of foreign cooperation and the course of development of China's rural credit cooperatives on study abroad rural credit cooperative financial development on China's revelation; less developed areas of rural credit cooperatives and developed areas of rural credit cooperatives development overview Chapter by comparative analysis, the use of economic cost - benefit comparison method, economic learn equilibrium analysis, history and reality, examine the less developed areas of rural credit cooperatives institutional change, and then clear the local rural credit cooperatives reform direction - Specification cooperative. Transaction costs and the use of the new institutional economics, property rights, contract, commission agents and other principles, combined with the current economic characteristics of less developed areas of rural credit cooperatives development and the many problems faced by empirical research and analysis; final chapter in the above theory Case Study combination based on clear property rights, corporate governance structure optimization, regulatory system, aspects of the innovation and improvement of the external environment for the development of the mode of operation with some guidance and workable suggestions .

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Financial organizations in urban and rural areas
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