Based on the elaboration of the content and status of rural cooperative finance, rural cooperative finance--the alienation of rural credit cooperative is introduced from three aspects of the concept and objective of m...Based on the elaboration of the content and status of rural cooperative finance, rural cooperative finance--the alienation of rural credit cooperative is introduced from three aspects of the concept and objective of management, the organizational form and management mode, and the service object and business scope. Causes of alienation are analyzed. Firstly, change in the economic foundation of cooperative finance is the fundamental reasons for the alienation. Secondly, mandatory system change led by the government is an important reason for alienation. Thirdly, property and administration structure of rural credit cooperative are the internal reasons for alienation of agricultural support. To achieve the innovation of rural cooperative financial organization, the following aspects should be done: cultivating the basis for rural cooperative economy, further promoting the reform of rural credit cooperatives (innovating a variety of property rights modes; making clear definition of ownership; implementing the internal governance structure), introducing competition in the field of rural cooperative finance, and homing function of government and rural cooperative finance.展开更多
Rural finance is the weakest link in China's financial system. There are still many problems in the traditional rural finance, such as poor business conditions, imperfectly competitive financial markets, and credi...Rural finance is the weakest link in China's financial system. There are still many problems in the traditional rural finance, such as poor business conditions, imperfectly competitive financial markets, and credit information asymmetry; the phenomenon of farmers' loans difficulty has not been fundamentally changed. In order to improve the current situation of rural finance, the state proposes to develop new rural finance and innovate upon rural financial system. The new rural finance has many good development advantages, such as adequate information, flexible operation, and good potential quality of the assets. It is necessary to innovate upon financial products and services, establish the purpose of serving agriculture, countryside and farmers, strengthen the supervision of credit, and improve the financial infrastructure construction, so as to achieve sustainable developments.展开更多
With the deepening of urban and rural planning,in the new period,if rural financial development wants to adapt to the development trend of society,it needs to carry out corresponding innovations to improve the rural e...With the deepening of urban and rural planning,in the new period,if rural financial development wants to adapt to the development trend of society,it needs to carry out corresponding innovations to improve the rural economy and promote urban and rural construction.This paper mainly analyzes the necessity of rural financial innovation in the new period,the problems existing in rural financial development and the rural financial innovation strategy in the new period for reference.展开更多
Agriculture is the foundation of national economy,and the quality of rural financial ecological environment determines the level of rural economic development. At the same time of making outstanding achievements in ru...Agriculture is the foundation of national economy,and the quality of rural financial ecological environment determines the level of rural economic development. At the same time of making outstanding achievements in rural financial reform,there are still many problems in rural financial ecological environment. Taking Hubei Province as an example,this paper summarized existing problems from current situations of rural financial ecological environment,and finally came up with pertinent recommendations.展开更多
Inadequate rural financial services and low service efficiency lead to the situation that a large sum of money flows from rural areas to urban areas through commercial banks. The situation goes against the development...Inadequate rural financial services and low service efficiency lead to the situation that a large sum of money flows from rural areas to urban areas through commercial banks. The situation goes against the development of rural production and causes the extreme lack of rural capital, the difficuties in loaning and the prevalence of uaurious loan. In view of the problems exsited in rural financial system, the rural financial developmental trend, rural gross production, rural financial scale and rural financial efficiency from 1983 to 2008 are empirically analyzed by using the Pagano model in endogenous growth theory. The research assumes that, rural financial scale has positive relation with rural economic output, that is to say, the expansion of rural fiancial scale can facilitate the development of rural economy; the rural financial efficiency has negative relation with rural economic development. In Chinese rural areas, the economic development still relies on the expansion of rural fianance. However, at the same time of increasing the financial scale, the efficiency of rural finance is deceasing gradually. Thus, the support of rural finance on rural economic growth lies at the low level. Therefore, in view of the basic rerequisite of rural economic development, two solutions are adopted and Japanese and Kereaon experince are used. The measures are as follows. First, conducting organization innovation through promoting new village construction and gathering dispersed farmers to form rural cooperative organization to reduce trasaction cost. Second, transforming financial support from exogeneity to endogenity and marketizing rural finance so as to effectively solve the efficiency of rural finance.展开更多
基金Supported by a Special Project Commissioned by the National Social Science Foundation of China(B09001)
文摘Based on the elaboration of the content and status of rural cooperative finance, rural cooperative finance--the alienation of rural credit cooperative is introduced from three aspects of the concept and objective of management, the organizational form and management mode, and the service object and business scope. Causes of alienation are analyzed. Firstly, change in the economic foundation of cooperative finance is the fundamental reasons for the alienation. Secondly, mandatory system change led by the government is an important reason for alienation. Thirdly, property and administration structure of rural credit cooperative are the internal reasons for alienation of agricultural support. To achieve the innovation of rural cooperative financial organization, the following aspects should be done: cultivating the basis for rural cooperative economy, further promoting the reform of rural credit cooperatives (innovating a variety of property rights modes; making clear definition of ownership; implementing the internal governance structure), introducing competition in the field of rural cooperative finance, and homing function of government and rural cooperative finance.
基金Supported by National Social Science Foundation (10XJY023)Program for Excellent Talents in Guangxi Higher Education Institutions in 2011
文摘Rural finance is the weakest link in China's financial system. There are still many problems in the traditional rural finance, such as poor business conditions, imperfectly competitive financial markets, and credit information asymmetry; the phenomenon of farmers' loans difficulty has not been fundamentally changed. In order to improve the current situation of rural finance, the state proposes to develop new rural finance and innovate upon rural financial system. The new rural finance has many good development advantages, such as adequate information, flexible operation, and good potential quality of the assets. It is necessary to innovate upon financial products and services, establish the purpose of serving agriculture, countryside and farmers, strengthen the supervision of credit, and improve the financial infrastructure construction, so as to achieve sustainable developments.
文摘With the deepening of urban and rural planning,in the new period,if rural financial development wants to adapt to the development trend of society,it needs to carry out corresponding innovations to improve the rural economy and promote urban and rural construction.This paper mainly analyzes the necessity of rural financial innovation in the new period,the problems existing in rural financial development and the rural financial innovation strategy in the new period for reference.
文摘Agriculture is the foundation of national economy,and the quality of rural financial ecological environment determines the level of rural economic development. At the same time of making outstanding achievements in rural financial reform,there are still many problems in rural financial ecological environment. Taking Hubei Province as an example,this paper summarized existing problems from current situations of rural financial ecological environment,and finally came up with pertinent recommendations.
基金Supported by National Natural Science Foundation (70901034)
文摘Inadequate rural financial services and low service efficiency lead to the situation that a large sum of money flows from rural areas to urban areas through commercial banks. The situation goes against the development of rural production and causes the extreme lack of rural capital, the difficuties in loaning and the prevalence of uaurious loan. In view of the problems exsited in rural financial system, the rural financial developmental trend, rural gross production, rural financial scale and rural financial efficiency from 1983 to 2008 are empirically analyzed by using the Pagano model in endogenous growth theory. The research assumes that, rural financial scale has positive relation with rural economic output, that is to say, the expansion of rural fiancial scale can facilitate the development of rural economy; the rural financial efficiency has negative relation with rural economic development. In Chinese rural areas, the economic development still relies on the expansion of rural fianance. However, at the same time of increasing the financial scale, the efficiency of rural finance is deceasing gradually. Thus, the support of rural finance on rural economic growth lies at the low level. Therefore, in view of the basic rerequisite of rural economic development, two solutions are adopted and Japanese and Kereaon experince are used. The measures are as follows. First, conducting organization innovation through promoting new village construction and gathering dispersed farmers to form rural cooperative organization to reduce trasaction cost. Second, transforming financial support from exogeneity to endogenity and marketizing rural finance so as to effectively solve the efficiency of rural finance.