Abstract: A long time, the rural credit cooperatives to serve the agriculture mission, in the agriculture played a certain role, but the 20th century into the 90's with the ABC after decoupling the heavy historical burden, non-interest-bearing account for the proportion of funds, and calendar year loss difficult digestion, in addition to the grass-roots level of local government interference and lack of effective monitoring mechanism, the increasing exposure to operational risks. Today, the rural credit cooperatives has been a loss of large areas, the imminent reform of credit cooperatives, rural credit cooperatives in China is one of the key reform of the system of property rights. Property is an individual or organization's right to protection, which includes the possession, use, dispose of rights and benefits of the four property rights determine the responsibility of the use of property and earnings. In China, not the current system of property rights led to a series of issues, such as the incomplete system of property rights, purchase virtual property rights, property rights and so the main dislocation. All problems will lead to ineffective management structure of credit cooperatives. Unclear property rights of rural credit cooperatives that have hindered the development of the root causes of system of property rights through laws, regulations, etc. of the property made by the various acts of systematic arrangements. As the main force in rural finance, rural credit cooperatives reform the relationship between the success or failure of the "three rural" Building the effectiveness of the state attaches great importance to the reform of rural credit cooperatives.
