| With the rapid development of Chinese rural economy and the quick adjustment of the agriculture industrial structure, the higher requests for rural finance service are put forward since 1990s. But the present function of rural finance industry is fairly less perfect: weak supply ability for fund, less services types and low-level service from the rural finance organization, as a result, many peasants feel dissatisfied with the requirements for diversified economy. Therefore, it is easy to find the reasons: the Agricultural Bank of China adjusted the development strategy, contracted the credit in rural area besides a few unsecured customers. The Rural Credit Cooperatives is too small and most of them are in the state of loss. The Agricultural Developing Bank of China only played the role in giving funds for extending credit to purchase farm products, such as cotton, food oil and grains. All above can only explain the contradiction between supply and demand of rural finance in China at present time from the surface. It is possible to start the analyses from both the system changing and new trails blazing if we want to seek out the deeper reason, from which we. practically, can gain a goo'd deal of feasible enlightenment for reform of rural finance.Basing on mentioned factors above to think over, in this paper, the author is trying to explain and analyse the changes and the innovation of Chinese rural finance system with new system economics and the innovation theory. The paper is divided into four parts entirely: in first part (includes first and two chapters), the author is carrying on a systematic analysis to the system changes and the innovation theory, and constructing a theory analysis frame on this foundation. In second part, as a case of system changes and innovation theory, the rural finance system in China is inspected, and the changing methods and features of credit system are also analysed in the Rural Cooperatives, the Rural Cooperative Foundations, the Agricultural Bank of China, the Agricultural Developing Bank of China and some local credit departments. Third part, the defect of present rural finance system is analysed, chiefly including the defects, such as the property system, managing structure, administration system as well as supervision system of rural finance organization. The four is stressed from the foundation ef third part analysis, further discussing the innovation and arrangement of rural finance system from three aspects of the property system, administration system and supervision system. Finally, thegeneral conclusion of innovation and changes concerning China rural finance system are concluded out.By analysis and research, the following conclusion is reached in this paper:First, the all previous system changes of regular rural finance organizations of China mainly leading by the government, in other words, the first action group of system changes is acted by the Central Government, and the effect of this kind of forcing system changes is not ideal, which left over many rough questions that haven't solved up to now.Second, when the Central Government directly intervene in the course of innovation to the rural finance system from now on, the peasant, the needs and the interest requirement of rural regular finance organization should be more respected. When the direct intervention of the Central Government is not needed, the Central Government can select the indirect method to lead and help.Third, the rural loans have being limited in varying degree since 1949. After the reform of economic structure, under the condition of regular rural finance organization not having reached the designated position, the rural loan has an increasing speed of development, but with certain risk. It needs a lead to the correct development by adopting some measures to manage it.Fourth, the first and critical question of the innovation of rural finance organization system lies in the innovation of the property right. Owing to the fact of uneven economy development in various places i...
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