湖北省农村信用合作社发展现状及对策研究(3)

发布时间:2021-06-06

Abstract

RuralcreditcooperativesareanimportantcomponentofChina’Sfinancialsystem,Whicharepartofthemainforceinruralfinance.However,thesamewithotherruralcredit

principleofthe

ofcooperatives,HubeiProvinceRuralCreditCooperativedisobeythecooperationsystemafterestablishing,anddeviatefromthepurposesAreasservice”threeFs”(Agriculture,RuralandFarmers).Therehasbeen

SOon.large-scalelosses,insolvencynon—performingloansaccountedformuchand

Hubeiproviriceiseconomicallyunderdevelopedareas.Duetothenaturalconditionsandobjectivedifferencesintheeconomicenvironment,ruralcreditcooperativesinthedevelopingprocessaremuchmoreconstraintedthaninthedevelopedregions.Manyruralcreditcooperatives

survival.Many

beenunabletocarryaaheavyburdenonstrugglingtomaintainthethecurrentcreditunionshavehugefinancialrisk,andsystemhastheadapttotherequirementsoftheeconomicsituation.Withdiminishmentofthenetworkofstate。ownedcommercialbanks,HubeiProvinceruralcreditcooperativehasactuallybecomethelargest

formalfinancialinstitutionsintheruralareas.In

stillforfoodourandmostcompletesystemofprovince,theruraleconomyisproduction,forestry,fisheries,livestockandothertraditionalfamily-based

creditagriculturalandsidelineproducts.Itisdi伍culttofarmerstoobtaintheforsomereasonsfundsfromothersourcessuchasthesmallproductionscale,asmallnumberofproducts,lesscommercializationandlesscomunicationwithotherregionaleconomic.Themajorityoffarmersalsoneedfinancialservicesfromtheruralcreditcooperatives.Andthelocalgovernmentsneedtofigureoutthe”threeFs’’andwanttoconsolidatethefoundationofagricultureandmaintainsocialstability.ThusintheunderdevelopmentHubeiProvince,itisparticularlyurgent

toandimportantstudyhowtodeveloptheruralcreditcooperativesinthefuture.

Inthispaper,therelevanttheoriesofeconomicsare

currentdevelopmentofHubeiProvinceused.Accordingaretotheruralcreditcooperativesinfacingmanyproblemsinpractical,andbasingonthetheoryandcasestudy,thispapergivesome

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