The Research On The Present Situation And Innovation Of China's Rural Financial System

Since the reform and opening up, the rural economy has developed greatly, rural finance in the development of the rural economy in the role played by the nots allow to ignore. In recent years, rural finance in the development of agricultural production and rural credit poverty alleviation aspects made outstanding contributions. With the development of the rural economy, rural capital requirements of appearance of many new changes, agricultural productive capital financing demand is bigger and bigger, agricultural development of financial services also put forward higher request. However, our country rural financial system is still facing the following the grim realities: policy-related finance function orientation are not clear, financing source lack, supporting role restricted, Each financial institution of supporting strength weakening, governance structure is not perfect, risk management was weak, Rural financing difficulty, farmers defficult borrow problems still is more outstanding. Therefore, we must further to present the rural financial system reform and perfect.Using the quantitative and qualitative analysis method of rural financial system, the paper analyses the present situation, points out the existing problems, and advances some countermeasures for solving these problems. First, this chapter 2 analyzes our country rural capital supply and demand condition, rural households and small and medium-sized enterprises defficult borrow situation. The third chapter of rural financial system from rural regular financial, rural non-formal finance and rural financial supervision analysis in three aspects, and analyses the economy.in view, agriculture, YouChu Banks, rural credit cooperatives, a new type of rural financial institutions, etc rural regular financial supply main body status and problems. In order to better on the rural financial system innovation research, the paper in the fourth chapter chose three typical rural financial innovation cases, and these advantages and disadvantages of financial innovation is evaluated. In the second, third, and fourth chapter on the basis of analysis, this paper put forward the fifth chapter, the rural financial system reform and innovation, to begin from the following several aspects: one is to enhance rural financial institutions whole function, 2 it is normative development folk non-formal finance; Three is to establish a new farmland of financial institution, guiding rural land use right into the financial sector, The fourth is perfect rural financial supervision mechanism. Secondly, to further explore the rural financial system, based on the innovative three cases as the typical of a new type of rural financial institutions was studied. A new type of rural financial institutions as China's financial market new things, its development is in the ascendant, conducts the research, with strong practical significance. We hope that this paper the research of the relevant policy makers have certain reference significance.