Reconstruction Of Chinese Rural Financial Service System

"Agriculture development, progress of rural area and income-increasing of peasant"is an important topic during process of affluent society construction. Construction of new socialist countryside is closely related to solve issues related"agriculture, countryside and peasant (ACP)", and effective rural financial system play an important role in supporting construction of new socialist countryside, also in solving " ACP " issue.However, present rural financial system has not yet become a booster of economic development in rural areas, in some respects it restricts development of rural economy, present rural financial institutions has not supported rural economy well, but an endless stream of funds from rural transported to industrial and commercial enterprises of towns, so that the financial resources is highly concentrated to town. The problem of China's rural financial system has draw great attention from the central committee of the communist party of china and the state council. A series of policies to support and benefit agriculture that came from the documents of central committee of China for seven consecutive years came into being and a number of rural financial reform measures were proposed by Chinese government and functions of rural financial system are gradually revealed. However, there are many problems stay to be solved such as inefficiency of funds deployment, difficulty of financing from rural economic subject.It is significant for studying existing problems of rural financial system and exploring reconstruction of environment conducive to sustainable development of rural financial service system. Through observing rural financial system and borrowing both domestic and international ideas, present research analyzed theoretical basis of rural financial system reconstruction by using variety of analysis. This study including nine chapters: At the first chapter, we reviewed status of China's rural financial system reform and analyzed its problems. In the second chapter, we analyzed demand and supply of rural financial status, performance and factors of imbalance of whole country. In the third chapter, problems of rural credit supply and demand in Handan City were analyzed and peasant credit supply and demand situation of Hebei Handan was investigated as a case study. Chapter IV introduced experience of foreign financial and credit and Enlightenment of reconstruction of rural financial service system. The fifth chapter described economic status of commercial finance in "ACP". The necessity for support from financial policy to "ACP" was mentioned in sixth chapter. The seventh chapter introduced theoretical basis of cooperative finance, its reform progress and effective form on the "ACP". Chapter VIII discussed problems of private financial development, put forward some directions for reform. In chapter IX, we described support system of rural financial service system from operating mechanism, functional regulation, payment and settlement systems, rural credit system and rural financial deposit insurance system and put forward reform measures. At last, we put forward idea of financial support for "ACP", specific path of rational model for financial system construction.The innovation of this paper: In addition to describing rural financial system,we also analyzed support system of it, proposed the operating mechanism, function control, payment and settlement systems, credit information system and the deposit insurance system, which is different from other studies. Results are putting forward the "ACP " financial support system and reasonable financial services, system mode and the specific path based on theoretical analysis.A perfect rural financial service system plays an important role in improving the "ACP " economic development. According to domestic and international development law of rural financial service system, it changed with the "ACP" economic development, and matched with goals of state rural economic development. Rural financial service system development and reform are not in unchangeable pattern, they are improving through practice. And it is necessary to have a comprehensive summary and analysis for experience and shortcomings of rural financial service system, to learn successful experience from foreign countries and to follow the general laws of rural financial service system evolution. Construction of a new rural financial services system should be a solid financial foundation for constructing a well-off society.