| Over the last three decades since reform and opening-up, China's agriculture and rural economy has been developing rapidly, and achieved remarkable achievements. But from the beginning of twenty-first Century, the problem of relative lag of rural development in China has been highlighted. The Party Central Committee and the State Council have been attaching great importance to the issue of Continuing to deepen rural reform, so as to promote rural economic growth, agricultural development and farmers' income. For the solution of issues of agriculture, farmer and rural area, the development and support of rural finance is very important. Since 1980s, the preliminary establishment of a cooperative, commercial and policy oriented financial system in rural areas has been accomplished after 30 years of reform, and played an important role in promoting agriculture and rural economic development. However, rural finance is still the weakest link in the whole system of China's financial system, The phenomenon that the main body of the rural economy is not satisfied with the credit and other financial services is still widespread. The 3th plenary session of 18th CPC Central Committee held in November 2013 Proposed to "develop inclusive finance",Namely, to establish a financial system that is capable of providing effective and comprehensive services to all sectors of society and community. The 5th plenary session of 18th CPC Central Committee held in October 2015 Proposed "New goal of building a well-off society in an all round way", In particular, to "adhere to the shared development", "the implementation of poverty alleviation projects". Development of rural inclusive finance should be the key in the reform of the financial system of China, and an important way to realize the shared development of the farmers, especially the poor people in the rural areas, and to implement the financial poverty alleviation.To study the development of China's rural Inclusive Finance, the key issue is to correctly handle the relationship between the government and the market in the development of China's rural inclusive finance, Play a good role of the market and the government.Under the guidance of agricultural, finance and the theory of financial support for agriculture related to Marxism, and the related theories of socialism with Chinese characteristics, This thesis borrow ideas from the relevant theories of Western economics, Define the scope of the development of rural Inclusive Finance, build the theoretical basis of the development of China's rural inclusive finance in the perspective of the role of the government and the market. Under the guidance of this theory, the thesis start from the historical evolution and development of inclusive finance in China's rural areas, analyze reasons and the formation mechanism of the problems of inclusive finance development in China's rural areas. Some foreign countries have successful experience in the development of inclusive finance in rural areas, has a certain enlightenment for the development of China's rural inclusive finance development. On the basis of the foregoing discussion, this thesis puts forward the overall frame design of the development of rural inclusive finance in China, including the goal and principles, the framework and path of China's rural inclusive finance development. The core problem of inclusive finance development in China's rural areas should be to reshape the relationship between the government and the market, Play a decisive role of the market and play the better role of the government. Playing a decisive role of the market need to deepen the reform of the rural financial market system, Play the role of market competition mechanism, price mechanism and market exit mechanism. playing the better role of the government need to determine the boundaries between the government and the market reasonably, The government should work hard to make up for "market failure", and reduce "government failure" in the process of government intervention. |
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