On the Reform of Rural Credit Cooperatives from the Perspective of SCP Paradigm ——A Case Study in Hunan Province

doi:10.3969/j.issn.1007-4074.2012.05.023

Abstract

Abstract: The reform of rural credit cooperatives has been the core of financial reform in the rural areas.By investigating such aspects as service,innovation,management,and profitability with a SCP paradigm,it is found that improvement has been made in yield rate and non-performing loan ratio,and commercialization has become the trend for future reform.However,the relaxed requirement for market access for the rural financial institutions has not changed the monopoly situation,causing low service differentiation,outflow of rural fund,and poor service to agriculture,rural areas,and farmers.To reform the rural credit cooperatives in the future,it is needed to strengthen government support,supervision and guidance,inspire service innovation,perfect structure,and enhance risk management.

Key words: SCP(Structure-Conduct-Performance) paradigm, rural credit cooperatives, reform

ZHOU Meng-Liang, LI Jiao, SUN Liang-Shun. On the Reform of Rural Credit Cooperatives from the Perspective of SCP Paradigm ——A Case Study in Hunan Province[J]. Journal of Jishou University（Social Sciences）, 2012, 33(5): 160-166.

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