Abstract:The rural mutual cooperatives farmers own bank, meet the demand of rural finance, helping farmers to enrich one's family. But in the development process of rural credit union funds by the size of its capital, scope of business and other constraints, there are many problems in its own development. Be the first to bear the brunt of professional talent is very scarce, can not meet the standardized operation demand, leading to the rural mutual cooperatives exist many non-standard operation problem in itself. In addition to lack of supervision, constitute the rural mutual cooperatives unstable factors. This paper analysis from the specific cases two city Lianyungang, Yancheng rural credit union funds, there are four main problems in the development process. First, financial and legal regulation is not in place. Secondly, the lack of sources of funds. Once again, weak risk control. Finally, tenet is not prominent. At last according to the existing questions in the process of social development of rural mutual funds, puts forward some pertinent suggestions.
Keywords The rural mutual cooperatives Rural finance Supervision