Growth Logic,Problems and Policy Orientation of Rural Internal Cooperative Financial Organizations:Multiple Case Study Based on Rural Financial Reform Pilot Zones
Developing rural internally generated cooperative financial organizations vigorously is able to fill the gap in rural financial services effectively,and it is one of the important approach to im-prove rural financial system in the new era.The rural financial reform pilot zones in Yuanling,Jinzhai,Lankao closely focus on the two major themes of"credit cooperation"and"industrial development",and solve the dilemma of rural household financing by the combination of lowering financial access threshold and innovative cooperative financial poverty alleviation mechanism.Relying on rural grassroots organizations,it has innovated the cooperative financial management system and reduced transaction costs,explored a variety of internal credit cooperation models of farmers'cooperatives with production relations as a link,and achieved remarkable practical results.However,there are also unsolved problems in the pilot credit cooperation within farmers'cooperatives,such as unclear organizational nature and legal status,optimization of internal governance and mutual assistance mechanisms,strengthening of gov-ernment support,improvement of financial risk prevention and control and disposal mechanisms,and in-sufficient innovation awareness and ability.Therefore,in order to promote the standardized development of rural endogenous cooperative financial organizations in the new era,it is urgent to strengthen the top-level design and optimize the regulatory mechanism,improve the management,operation and governance system,increase government support and multi-sector coordination,promote risk prevention and control upgrading through financial technology innovation,and innovate cooperative financial services to meet diversified financial needs.
Farmer professional cooperativesInternal cooperative financePilot zone of rural finance reform
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