Studies On The Reform Of Our Country Rural Financial System

It was since the independence of the people's republic of China that our national finance system had been developed promptly from the blank to the exist and from the micro to the macro. No mater under the conditions of the planning economy system market-economy system nowadays, the finance had made a very important contribution to our national economy development. At the same time, rural-finance as one of the parts of our national finance system had improved the agriculture productivity and promoted the development of the rural economy.In the new history, with the propulsion of the economy system innovation and the opening-up policy, specially, with the processes of the rural economy system innovation and the development of the rural social economy, the limitation of rural-finance system as become more and more conspicuous, and can not keep up with the steps of the development of our national market-economy, and had become the obstacle of the economy development and the innovational processes. Consequently, it is indispensable in China to further promote the rural-finance system innovation.After taking a good retrospection of the history of our national rural-finance system reformation, analyzing the existent problem and difficulty, using the successful experience of oversea rural-finance's construction and development for reference, applying the analytical means of the quantitative and the qualitative as well as the means of the dynamic and the static, this thesis has put forward the more principle of the national rural-finance reformation, the strategy and the policy suggestion as follows: establishing the multiple finance organization ,such as the rural commercial bank ,the rural policy bank and the rural credit organization; setting up the villages and towns cooperative finance organizations; innovating finance production ;promoting the multiple ervice of rural-finance ; building up the healthy mechanism of the rural capital callback; consummating the mechanism of the village enterprise mortgage guarantee and the monitoring frameworks of the mortgage guarantee mechanism.