德州市农村信用社发展决策研究工商管理专业论文.docx

华中科技大学硕士学位论文 华 中 科 技 大 学 硕 士 学 位 论 文 II II Abstract In the process of new construction in rural area of Dezhou, the Rural Credit Cooperatives of Dezhou plays an important role in the financial support to agriculture development. With the gradual deepening of the reform of rural financial system in Shandong Province, the scale and profitability of Rural Credit Cooperatives of Dezhou has got certain achievement which demonstrates the new image of reform and development. Although, by the combination of the actual financial environment in Dezhou, there is also some relative disadvantages, such as the uneven development between cities and counties, lack of the motivation, low quality of staffs, extensive management, high level of potential risks and lack of innovation etc. In this study, based on the practical work experience in Rural Credit Cooperatives of Dezhou, by comparing to the foreign credit cooperatives reforms, the author will analyze the background and current situation of the reform, the trends of the reform, and the achievement in current stage of the reform. Also, by using the findings and investigations, the author will reveal the problems and unfavorable factors in the current and future reform, and hence to conclude the only feasible way to seek development in the fierce market competition, which is through clarifying the nature of the credit cooperatives and property rights governance structure, planning the services direction and business purpose, establishing a new institutional framework and training highly qualified practitioners, to make a reasonable reform to improve their own strength. Therefore, at this critical stage of the reform and development of rural credit cooperatives, the most significant reality we have to face to is how to correctly accept and deal with the current problems existing in rural credit cooperatives, which it has practical meanings to clarify the direction of development of the Rural Credit Cooperatives of Dezhou. Key wor