An Institutional View On Industrial Organization Innovation Of China's Rural Finance

Based on the in-depth analysis of the reality and related researches of rural finance industrial organization innovation, and the systematic review and reference concerning the theory of rural finance development, the theory of finance industrial organization and the theory of institutional innovation and renovation, the paper constructs a conceptual framework, by combining the analyze normal form of institutional economics and industrial organization, makes a systematic review of the basic category and analysis basic point, by clarifying the theoretical connotation and characteristics of the industrial organization innovation, and by revealing the objective, principle, principal part, momentum, mechanism, pattern and the condition and environment of innovation. Based on the conceptual framework, the thesis use the method of historical and quantitative analysis, combines the institutional analysis and the structure-conduct-performance analysis, demonstrates the industrial organization of China's rural financial innovation and performance, then analyzes the relationship between industrial organization of rural financial imbalance and lack of innovation in reasons. Then by analyzing China's rural financial industry constraint on organizational innovation, put forward countermeasures and suggestions to achieving China's rural finance industry organizational innovation.The main conclusions are as follows:(1) At present, the diversification of China's rural financial market reform and the results beginning to bear, but its still over-centralized and highly decentralized, disorderly competition, monopoly and the phenomenon of coexistence. Rural finance industrial organization dysplasia, a serious obstacle to the further development of China's rural finance.(2) China's rural financial market development, promotion and mandatory changes are under the government'interference, witch has led to a high degree of China's rural market monopoly, insufficient competition and single service items. And it causes badly performance of China's rural financial industry, witch cannot effectively support the rural economic development.(3) In order to promote China's rural financial industrial organization innovation, we should set out to improve the institutional conduct of the rural financial system, build the mechanism of competition, improve the regulatory approach and the credit system, and strengthen the financial system. And then the rural finance development mechanism, with clear property rights and independent development conditions, well be built. And the sustainable development of China's rural finance well be achieved.