financial institution : finance and economics : securities > country credit cooperative



Contents ·No. 1 ·Institutional nature ·Institutional characteristics ·机构改革 ·Wikipedia Encyclopedia ·Containing Phrases ·More results... No. 1 　　Rural credit cooperatives (rural credit cooperatives) refers to the People's Bank of China approved the establishment by, composed by the members stake, democratic management, primarily for members to provide financial services in rural cooperative financial institutions. 　　Rural credit cooperatives are independent corporate entities, all of its as_set_s liable for the debts of rural credit cooperatives, legally entitled to civil rights. Its property, rights and legitimate business activities carried out in accordance with the law are protected by national laws. 　　The concept of rural credit cooperatives 　　Rural credit cooperatives are banking financial institutions, the so-called banking financial institutions also called depository institutions and deposit money banks, whose deposits are a common feature of the main liabilities to loans as the main as_set_s to handle the transfer _set_tlement as the main intermediary business, directly involved in the creative process of the deposit money. 　　Rural credit cooperatives and credit unions is the so-called credit cooperative institutions by individuals to raise funds to mutual cooperation for the main purpose of the coalition of financial institutions, referred to as "credit union" in order to help each other, for the purpose of self-conduct of members of the deposits, loans business. Credit unions to establish a direct correlation with the natural economy, commodity economy. Due to agricultural producers and commodity producers seasonal funding needs, fragmented, small amount, small-scale features, making it difficult for farmers and small producers supported by bank loans, but the objective of the production and development of circulation and must be addressed undercapitalized difficulties, so it was a mutual to pay subscription monies and deposit this way established self-help credit organizations. 　　Rural credit cooperatives as a banking financial institution has its own characteristics, mainly in: 　　1, farmers and other personal fundraising coalition of rural cooperative financial organization with the main purpose of mutual aid, and its operations are based on the democratic elections of members designated by the management of personnel, and responsible members. Its supreme body is the Congress members, the executive body responsible for specific affairs management and business operations is the Council. 　　2, the main sources of funding are members of cooperatives paid capital stock, reserves and retained deposits absorption; loan will be used to solve the financial needs of its members. Initially released mainly short-term production loans and consumer loans, life after with economic development, gradually widening lending channels, and now there is no difference between commercial bank loans. 　　3, the business objects are members of cooperatives, so easy and flexible business procedures. 　　The main task of the rural credit cooperatives are: in accordance with national laws and financial policies, organization and regulation of rural fund to support agricultural production and rural integrated development, support for various forms of economic cooperation in the economic and family members, and the fight against usury limit. 　　History of Rural Credit Cooperatives 　　Cooperative financial organizations in China has a long history of cooperation in the development of financial get some practice in before the establishment of the Republic. But in the early days of the socialist transformation process, the individual ownership of the means of production was canceled, along with the improvement in the level of public ownership, cooperative nature of rural credit cooperatives was diluted, and converted into a national bank in the rural grass-roots organizations. After entering the 1980s, this "government-run" changes in institutional arrangements were not suited to the development of the rural economy. China's rural credit cooperatives in 1984, launched on democracy and the people operating flexibility, management resume on organizational reform as the basic content. 1996 rural credit cooperatives and state-owned commercial banks - Agricultural Bank of China decoupling, hosted by the People's Bank, and to embark on cooperative principles at work. In 2003, eight provinces began to implement reform, and yielded good results. In 2004, the country that deepening the reform of rural credit cooperatives and continues today. Translated by Google Institutional nature 　　Rural credit cooperatives are independent corporate entities, all of its as_set_s liable for the debts of rural credit cooperatives, legally entitled to civil rights. Its property, rights and legitimate business activities carried out in accordance with the law are protected by national laws. 　　Rural credit cooperatives are banking financial institutions, the so-called banking financial institutions also called depository institutions and deposit money banks, whose deposits are a common feature of the main liabilities to loans as the main as_set_s to handle the transfer _set_tlement as the main intermediary business, directly involved in the creative process of the deposit money. 　　Rural credit cooperatives and credit unions is the so-called credit cooperative institutions by individuals to raise funds to mutual cooperation for the main purpose of the coalition of financial institutions, referred to as "credit union" in order to help each other, for the purpose of self-conduct of members of the deposits, loans business. Credit unions to establish a direct correlation with the natural economy, commodity economy. Due to agricultural producers and commodity producers seasonal funding needs, fragmented, small amount, small-scale features, making it difficult for farmers and small producers supported by bank loans, but the objective of the production and development of circulation and must be addressed undercapitalized difficulties, so it was a mutual to pay subscription monies and deposit this way established self-help credit organizations. Translated by Google Institutional characteristics 　　Rural credit cooperatives as a banking financial institution has its own characteristics, mainly in: 　　1, farmers and other personal fundraising coalition of rural cooperative financial organization with the main purpose of mutual aid, and its operations are based on the democratic elections of members designated by the management of personnel, and responsible members. Its supreme body is the Congress members, the executive body responsible for specific affairs management and business operations is the Council. 　　2, the main sources of funding are members of cooperatives paid capital stock, reserves and retained deposits absorption; loan will be used to solve the financial needs of its members. Initially released mainly short-term production loans and consumer loans, life after with economic development, gradually widening lending channels, and now there is no difference between commercial bank loans. 　　3, the business objects are members of cooperatives, so easy and flexible business procedures. The main task of the rural credit cooperatives are: in accordance with national laws and financial policies, organization and regulation of rural fund to support agricultural production and rural integrated development, support for various forms of economic cooperation in the economic and family members, and the fight against usury limit. Translated by Google 机构改革 　　Community work on the pilot reform of rural credit cooperatives are concerned, a lot of comments. Overall, these comments tend to evaluate positively the reform of rural credit cooperatives, property rights and management system for diverse opinions, and rural credit cooperatives all these years of work seems to be "less derogatory and more praise," or is about rural credit cooperatives in the past achievements and future role of the article is small. In fact, the rural credit cooperatives for over 50 years in support of the "three rural" development process played a role can not be underestimated, rural credit cooperatives in the "three rural" development in the future more will play an irreplaceable role. China is a more than 800 million farmers of the country, rural areas still lag behind productivity levels, reform of rural credit cooperatives are not fully market-oriented way to go, must also adapt to the characteristics of China's unbalanced economic development and regional development level of agricultural productivity, must also have the support of national policy. The purpose of the reform of rural credit cooperatives is through property rights and management system, so that rural credit cooperatives truly become the main force of rural finance and contact the peasants of the financial ties. Comprehensive and correct evaluation of rural credit cooperatives in history, reality and future status and role, not only help to improve rural credit cooperatives in the country 628,000 employees and supervision of rural credit cooperatives engaged in the enthusiasm of cadres, but also help promote the reform of rural credit cooperatives experimental work carried out smoothly. The data from two aspects can fully illustrate this point: 　　There are individual people make, can not fail to _set_ up the main body of the management of rural credit cooperatives. Do a full market economy in foreign countries may be, but in our current reality, this idea does not work. China is still in the early stages of socialism, the current market discipline mechanism and legal system are still not complete, the property rights system of rural credit cooperatives and the corporate governance structure is very imperfect, it is not the subject of rural credit cooperatives did not manage to make the necessary , indirect, macro management. Translated by Google Wikipedia Encyclopedia 　　nongcun xinyong hezuoshe 　　Rural Credit Cooperatives 　　rural credit cooperative 　　Under socialist conditions, according to the principle of voluntary collective ownership stake in the establishment of cooperative financial organizations. Referred to as credit unions. Its capital stock, the accumulation of property owned by credit unions and other collective members, credit unions and independent accounting, self-financing. 　　After the evolution of land reform, Chinese farmers stake voluntary groups to establish credit, credit unions and other financial organizations of the masses, the purpose of the implementation of mutual funds, to get rid of usury. Business activities are mainly handled deposits and issuance of production of farmers, living loans. With the development of the cause of mutual assistance and cooperation in agricultural production, rural credit cooperative undertaking corresponding rapid development, the growing organization, business activities gradually expanded to include rural collective economy handle deposits and loans, and the agency entrusted by the Agricultural Bank of China business. In China, credit unions nationwide organization has become popular in rural areas, the establishment of credit cooperatives in rural, town and village to establish a credit bureau or credit stations, has become an important part of the socialist rural financial system. It is idle funds for the organization of rural, issuing loans, transfers of funds remaining places, to support the rural collective economic development of production of capital needs to help farmers solve financial difficulties of production and life, to accelerate economic development in rural areas, have an important role. 　　Funding sources of funding rural credit cooperatives, mainly to absorb deposits, capital stock, accumulation and loans from the Agricultural Bank of China and so on. Funds, mainly agricultural loans. Object-based loans to farmers; loan purpose production costs mainly from private lending role. In addition, township enterprises loans. Its business activities are governed by the Agricultural Bank of China's leadership. 　　The main features are: mass ① tissue. Credit unions are cooperative financial organizations of farmers voluntarily stake organized. With the development of rural economy, shares of members increased, so that the masses increasingly consolidated basis of credit unions, peasant masses of common interest, joint management of credit unions actively growing. ② democratic management. Credit report regularly to Congress members to work regularly published accounts illustrate the business and profit and loss situation. Cadres to go through the democratic and electoral council, listen to their opinions. Credit democratic forms of organization management, in addition to members Congress also established the Council and the Board of Supervisors (some of the management committee _set_ up social services), business operations management and oversight. ③ flexibility on business operations. Credit Union's business activities, in compliance with national policies, laws and regulations of the premise, can carry out various business activities according to local conditions, with some flexibility in the scope, purpose, duration, amount, procedures and deposits, lending rates and other aspects of the loan. 　　(Yi Hung Jen) Translated by Google Containing Phrases Country credit cooperative languish accommodation Country credit cooperative migrate accommodation country credit cooperative regulate system Yangcheng county Area just outside city gate country credit cooperative Zezhou county Xia village country credit cooperative Tianjin Country credit cooperative examination Shanghai city country credit cooperative Sichuan province mountain country credit cooperative Fang tang country credit cooperative Black dragon country credit cooperative Wangxi Country credit cooperative Xianxia Country credit cooperative In the river country credit cooperative Yongdeng county civilian Lenong village credit cooperative Qing city county Caimiao Country credit cooperative Ceremony county Marsh mountain country credit cooperative Longxi county name of a river Henong village credit cooperative Ceremony county Luoba Country credit cooperative Wuwei city Hanzuo Country credit cooperative Loopout county Trencher country credit cooperative Name of a river county Sizu Country credit cooperative Loopout county Qintuan Zhuangnong village credit cooperative Name of a river county Area just outside city gate country credit cooperative Ceremony County Country credit cooperative Merger society Ceremony county Estuary country credit cooperative Qing city county Tower country credit cooperative Loopout county Tianshui Country credit cooperative Loopout county Melody country credit cooperative Loopout county loopout Chengnong village credit cooperative Loopout county Gross Mountain Chuannong village credit cooperative Loopout county Hund country credit cooperative Name of a river county Xinsi Country credit cooperative Gaolan county Shuifu Country credit cooperative Yongdeng county Gold Chengnong village credit cooperative Loopout county Tiger hole country credit cooperative Yongdeng county Dongshan country credit cooperative Loopout county Yanwu Country credit cooperative Qing city county white Manong village credit cooperative Qing city county tung Chuannong village credit cooperative Qing city county Sapu Country credit cooperative The west point on the horizon where the sun _set_s he county Miles village country credit cooperative The west point on the horizon where the sun _set_s he county Heba dam country credit cooperative Qing city county south Zhuangnong village credit cooperative Loopout County Small south valley country credit cooperative Dangchang county Sandy bay country credit cooperative Become county (surname) Henong village credit cooperative Gaolan county Xicha Country credit cooperative Become county Huangzhu Country credit cooperative Loopout county Area just outside city gate country credit cooperative Loopout county Nanjiao Country credit cooperative And political county South street country credit cooperative Anxi county Nancha Country credit cooperative Qing city county Xiongmiao Country credit cooperative Loopout county T'ien ch'ih country credit cooperative Qing city county Maling ridge country credit cooperative Yongdeng county Tongyuan Country credit cooperative Yongdeng county company Chengnong village credit cooperative Yongdeng county Great harmony,the confucian ideal of perfect society country credit cooperative Badge county Jialing tomb country credit cooperative Ceremony county Suburb country credit cooperative Loopout county Carriageway country credit cooperative Become county Area just outside city gate country credit cooperative Badge county Suburb country credit cooperative Become county Paosha Country credit cooperative Yongdeng county Peace country credit cooperative Become County Country credit cooperative Merger society Loopout county Mountain Chengnong village credit cooperative Loopout county Maojing Country credit cooperative Name of a river County Country credit cooperative Merger society Become county Suburb country credit cooperative Dangchang county Xinzhai Country credit cooperative Badge County Country credit cooperative Merger society Qing city county phoenix Chengnong village credit cooperative Health County Pingluo town country credit cooperative Zhuoni county willow Linnong village credit cooperative Yongdeng county seven Shannong Village credit cooperative Loopout county Fanjia Chuannong village credit cooperative Become county Daping Country credit cooperative Yongdeng county always Xingnong village credit cooperative Become county Jiro country credit cooperative Yongdeng county a plain Chengnong village credit cooperative When two county encourage Huanong village credit cooperative Lintan county Learned country credit cooperative Health County Lianghe town country credit cooperative Huachi county bosom Annong village credit cooperative Huachi county Zifang Country credit cooperative Huachi county Mountain Zhuangnong village credit cooperative Huachi county Linzhen Country credit cooperative Gaolan county Area just outside city gate country credit cooperative Yongdeng county (surname) Chuannong village credit cooperative The west point on the horizon where the sun _set_s he county Xiyu Country credit cooperative The west point on the horizon where the sun _set_s he county surname Wunong village credit cooperative Become county small Chuannong village credit cooperative The west point on the horizon where the sun _set_s he county Bayou country credit cooperative The west point on the horizon where the sun _set_s he county Jiangxi Country credit cooperative The west point on the horizon where the sun _set_s he county revive, resurrect Henong village credit cooperative The west point on the horizon where the sun _set_s he county Boom country 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county Liuxiang Country credit cooperative Huachi county Wujiao Country credit cooperative Huachi county Element Chengnong village credit cooperative Gaolan county Peace country credit cooperative Jing tai county Xiquan Country credit cooperative Jing tai county poplar Zhuangnong village credit cooperative Jing tai county Luyang Country credit cooperative When two county Jindong Country credit cooperative Become county Chenyuan Country credit cooperative Heshui county Jixian Country credit cooperative Heshui county Xiaoju Country credit cooperative Heshui county Shop country credit cooperative Heshui county Tai'e Country credit cooperative Heshui county fix Xiangnong village credit cooperative The west point on the horizon where the sun _set_s he county Luoyu Country credit cooperative The west point on the horizon where the sun _set_s he county Mayuan Country credit cooperative The west point on the horizon where the sun _set_s he county Shaoyu Country credit cooperative The west point on the horizon where the sun _set_s he county Shixia Country credit cooperative The west point on the horizon where the sun _set_s he county Wormwood Linnong village credit cooperative The west point on the horizon where the sun _set_s he county Big bridge country credit cooperative The west point on the horizon where the sun _set_s he county Area just outside city gate country credit cooperative Name of a river county Sancha Country credit cooperative Correctitude peaceful county Next month country credit cooperative Correctitude peaceful county West slope country credit cooperative Badge county Niyang Country credit cooperative Qing city county remount stations Manong village credit cooperative Jing tai county In spring country credit cooperative Health County Douping township country credit cooperative Heshui county Vesper country credit cooperative When two county West slope country credit cooperative Jing tai county area just outside city gate Country credit cooperative The west point on the horizon where the sun _set_s he county Changdao Country credit cooperative Badge county Elm country credit cooperative Heshui county hard Chengnong village credit cooperative Jing tai county five Vernon Village credit cooperative Ceremony county Rand country credit cooperative Qing city county Tuqiao Country credit cooperative Badge county chestnut Chuannong village credit cooperative Badge County Fujia town country credit cooperative Correctitude peaceful county Jiaotou Country credit cooperative When two county Yunping Country credit cooperative Correctitude peaceful county Palace Henong village credit cooperative Yongjing county small Chuannong village credit cooperative Yongjing county Sanyuan Country credit cooperative Correctitude peaceful county Gross Chuannong village credit cooperative Correctitude peaceful county Area just outside city gate country credit cooperative Correctitude peaceful county Mountain Henong village credit cooperative Heshui county new Chengnong village credit cooperative Correctitude peaceful county Shanjia Country credit cooperative Correctitude peaceful county Zhoujia Country credit cooperative Correctitude peaceful county Yongzheng Country credit cooperative Correctitude peaceful county always Henong village credit cooperative Health County Dabu zhen country credit cooperative Loopout county Lujiawan Country credit cooperative Character County Alectoris chukar dam country credit cooperative Character county Liping Country credit cooperative Character county Arrive river country credit cooperative Character county Stone pai-lou country credit cooperative Character county Sheshu Country credit cooperative Become county Suyuan Country credit cooperative Character county Bikou Country credit cooperative Character county Hengdan Country credit cooperative Character county Either end of a bridge country credit cooperative Yongdeng county Zhongbao Country credit cooperative Yongdeng county red Chengnong village credit cooperative Yongdeng county Jinzui Country credit cooperative When two county Xianlong Country credit cooperative Character county Area just outside city gate country credit cooperative Yongdeng county Area just outside city gate country credit cooperative Ceremony county across Chuannong village credit cooperative Character county Fanba Country credit cooperative Character county Tunzhai Country credit cooperative Hirokawa county Guangtong Country credit cooperative Badge county Yongning country credit cooperative Character County Town with city walls dam country credit cooperative Character county Maying Country credit cooperative Character county Chinese temple country credit cooperative Character county Danbao Country credit cooperative Character county Shangde Country credit cooperative Character County Country credit cooperative Merger society Badge county willow Linnong village credit cooperative Hezou city Tongqin Country credit cooperative Yongdeng county On Chuannong village credit cooperative Yongdeng county Bitter water country credit cooperative Become county red Chuannong village credit cooperative Gaolan county assorted Chuannong village credit cooperative Yongdeng county Shuping Country credit cooperative More results...