Dissertation
Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Financial organizations in urban and rural areas

Establishing and Improving Rural Credit Cooperative

Author WangXiaoJun
Tutor ZhangQiWen
School Northeast Agricultural University
Course Agricultural Economics and Management
Keywords Rural Credit Cooperative Internal control Risk management Internal control system
CLC F832.35
Type Master's thesis
Year 2006
Downloads 893
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Rural Credit Cooperative is the important part in China’s finacial system, and also is the key organizational form of cooperative finance. Rural Credit Cooperative plays an active role in promoting the development of agriculture and rural economy, in promoting the revenue of farmers. But, because the unsuitable management, ambiguous property right and unsound corporative governing structure, the construction of the internal control system in Rural Credit Cooperative is far below the development of business growth, and brings great hidden hazards in the healthful development. The reasons that cause the Rural Credit Cooperative at difficult situation are different, but in Rural Credit Cooperative itself, the relaxed internal control is one of the important reason. After ten years development, the construction of the internal control system in Rural Credit Cooperative has a large improvement, and constructs the internal control framework preliminary. But, the internal control system in Rural Credit Cooperative in weak, and has obvious defeat in establishing and performing of the internal control regulation and can not control risk effectively. In china, the research on Rural Credit Cooperative focused on the property, governing structure and Non-performing credit, though some research concerning the internal control, the discussion was not assembly and deeply. Combing the actual situation, the dissertation refers the theory of financial industry internal control in China and overseas, analyses the theory and practices of the internal control in Rural Credit Cooperative deeply, puts forward some opinions and suggestions, will bring referential function on the research and construction of internal control in Rural Credit Cooperative.The dissertation adopts the methods such as the methods of historical analysis, the methods of combination qualitative analysis and quantitative analysis and the method of cross-discripline study. First, the dissertation bases on the background, significance and the current situation of the research. Then discusses the basic theory of implications, characteristics, destipations and methods of internal control in Rural Credit Cooperative. On the respect of risk management, this dissertation constructs the early warning model of Rural Credit Cooperative, compares analysis of the VAR calculation procedure and chooses the adaptive method to calculate VAR of Rural Credit Cooperative. According with the presents of the internal control in Rural Credit Cooperative, the dissertation analyses the problems and their causes of the internal control in Rural Credit Cooperative. At last, according with the presents of the internal control in Rural Credit Cooperative, the dissertation constructs an effective system of the internal control in Rural Credit Cooperative to assure the steady operation of Rural Credit Cooperative.Under the continuously change of financial environment, the strengthen to construct the internal control in Rural Credit Cooperative has significance on prevention and controlling risk and improvement the control regulations of all kinds of operation and management practices. The strengthen of construction in the internal control in Rural Credit Cooperative is the requirement of external supervision of Rural Credit Cooperative, the assurance of self-constaintation, the bases of

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