论农村合作银行的改革和发展-工商管理专业论文.docxVIP

u u n d o u bted ly o n e o f b o ld 仰 o u ts d u rin g the reform o f C h in a ’5 ru ral ered it c o o P erativ e s， an d a lso an e ffe ctiv e su P P lem en t to th e P re sent m ral c o o P erativ e fin an c ia l sy ste m . H o w e v e r，it m u st b e stre sse d th at，fro m first to last in this P ap er) the joint一stock an d cooP erat ion system of the rural c o o P er ativ e b a nk 15 b e lie v e d to b e a tra n sitio n a l P ro du e t rath e r th an a m a tu re ru ra l c re d it e o o P e rat iv e s re fo rm m o d e l，o n ly m e e ts th e c u rre n t n e e d s o f C h in a ，5 e c o n o 而 e an d fin an c ial d ev e lo P m e nt . In o th e r w o rd s，it 15 th e re ality th at h a s le d to th e c o m b in atio n o f ”e o o P erat io n sy stem ，，an d ，joint一stock system ，，. H ow ever， the comb ination has its own c o n tra d ictio n s an d sh o rtc o mi n g s th at are d iffi eu lt to g et rid o f b y itse lf. 诚 th th e raP id d ev e 10 P m en t o f v ari o u s in du stri e s in C h in a ，th e ru ra l c o o P e ra tiv e b a n k s are b o u n d to b e reP la e e d b y ru ra l c o mm e re ia l b a nk s w h en C h in a，5 eeono m y 15 h igh ly m ark et一orienied an d rural finan eial d e m an d re a e h e s a h ig h e r le v e l. T h is P ro c e ss m a y b e le n g th y，b u t th e tren d 15 in e v itab le . A lthou gh th e joint一stock and eooP eration sy stem w ill die in the long c o u rse o f h isto ry， at P re se n t， it 15 still a b o ld inn o v atio n ， a n d th is in n o v atio n 15 c o n siste n t w ith th e c u rre ni situ atio n in C h in a . Its e x iste n c e w ill h e lP to P u sh fo rw ar d th e re fo rm o f ru ra l c re d it c o o P e rat iv e s. In th e m ajority of centra l an d w estern region s，even in som e P arts o f dev eloP ed c o as ta l re g io n s ， re stru e tu rin g th e ru ra l c re d it c o o P e rat iv e s