Study On The Re-construction Of Rural Finance Organizing System In China

For the development of agriculture and rural economy, our country has implemented a series of reform on rural finance organizing system during the reform of rural economy system. At last, a rural finance system has formed in which Rural Credit Cooperation serves as main body, Agriculture Bank of China and Agriculture Development Bank of China is important ingredient, folk lending is a supplement. This system consists of cooperative finance, commercial finance and policy finance. However, in order to seek the maximum profit, Agriculture Bank of China closed a multitude of branches in countryside with the deepening of financial system reform recently. And with the reform of food circulating system, the business of Agriculture Development Bank of China shrinks gradually, thus its policy function weakens. As Rural Credit Cooperation has been regarded as a branch of Agriculture Bank of China for a long time, its path-dependence of institution transition cannot be broken and the inclination of commercial operation appears, which hampers the cooperative evolution. So it is necessary to re-construct a new rural finance organizing system that fits the socialism marketing economy system, which has an important theoretical merit and practical meaning.The thesis points out the problems of current rural finance organizing system through analyzing its historical vicissitudes dynamically and its conditions statically. The basic frame of china's rural finance organizing system is put forward in the thesis, on the basis of analyzing the current financial demand of rural economy development and referring to the experience of other developing country.The main contents are as follows:The first part is introduction. This part mainly consists of the basis of the research as well as the theoretical foundation, and defines the fundamental concept. First, through analyzing the problem of current rural finance organizing system, the instancy and importance of re-constructing the system is pointed out. Second, this part introduces the theoretical foundation of research, such as Financial Repression. Financial Deepening etc. Finally, some concerning concept is defined.The second part analyses the historical vicissitudes of china's rural finance organizing system dynamically. This part analyses the reform and development of rural finance organizing system after the foundation of new china deeply, and it establishes a good foundation of subsequent reform.38The third part points out the problem of China's rural finance organizing system by analyzing its current conditions. The problems are as follows: first, the state-owned commercial banks withdraw from the countryside, and the rural business of Agriculture Bank of China also declines. Second, the policy function of agriculture Development bank of China shrinks, and it cannot undertake the responsibility of serving the development of rural economy. Third, rural credit cooperation cannot suit the demand of development of rural economy, due to the dissimilation of function and the bad system. Fourth, the current development of agricultural insurance lagged of the development of agriculture, which leads to the weak ability of resisting risk. Fifth, post savings systems have some deficiency, leading to the outflow of rural funds. Sixth folk lending prospers, yet lacking the supervision and hiding financial risk.The fourth part discusses the financial demand of every rural economical subject, through analyzing the current conditions of rural economy and its trend. First, this part analyses the financial demand of farmers, and points out the contradiction between the socialization production and dispersive farmer, and advocates that farmers as a group under bad position require cooperative finance to serve themselves and cut down their management risk. Second, this part analyses the financial demand of middle and small enterprises. The author considers that middle and small enterprise as driving enterprises should play an important role in agriculture industrialization. At pre...