Study On Historical Transition And Mode About Rural Financial Organization System

With the development of the rural economy, the current rural financial organization mode can't adapt to the development of the rural economy again. Against this state, this text adopts and studies about the rural financial mode in different periods of organizing system in our country, puts forward the question and analyses the reason, in the face of the demand for new economy at present, by theory analyzing and mathematics modeling method, has put forward the suggestion of the new-type rural financial organizing system mode.Firstly, the paper has summarized on the domestic and international theory research dynamic status of rural finance organization briefly. It also introduced two financial development modes brought forward by Pugh T. Patrick, financial structure and financial development theory put forward by W·Goethe Smith, the study on competition and efficiency of the financial market in the countryside carried on by E.S.xiao and R.I. McGinn's long.Secondly, the paper has introduced the evolution of our country's rural financial organizing system and compared to financial organization of different periods. At the same time, necessity analyze is carried on to reconstructing the rural financial organizing system from the existing question in rural financial organizing system and two respects of new situation faced after the accession to the WTO of our country. Thirdly, this text has analyzed the subject, reason, system supply and demand and the cost profits of changes of our country's rural financial organizing system changes in terms of system economics;, the economic effect on financial policy change which is brought by financial organizing system changes has been analyzed by utilizing Edgeworth's boxlike chart right. In order to confirm the actual influence on rural economy development by reforming rural financial organizing system, this text takes Changyang county economy as an example, through coming back to output Y, industrial structure S, the workforce's input L, input K of the capital and engineering level T, drawing the elastic coefficient to gross national product of fund input of the Changyang county has obvious advance after the financial organizing system changes.Finally, The text has proposed a new rural finance organizing mode, on which cooperative finance is subject, policy-related finance is regarded as supporting, policy-related finance and commercial finance coexist, non-banking financial institution is regarded as supplement .