A Study On Constructing The Chinese Rural Financial Market

As a grand duchy of agriculture ,we must focus on constructing our financial market in our rural areas.Firstly ,by analyzing the characteristic and the trend of our rural financial market from its volume, its structure and its trend ,the author outlines the status quo of the market as what is so called three great breaches. That is the breach in the principle ,the suppliers, and the efficiency .By analyzing its cause the author draws a preliminary conclusion that there exists a serious supplied financial depression in our rural financial market .Meanwhile , according to the theories of the curved line of the supply and demand and the productive possibility of the west economics ,the author illustrates that we must construct and improve a rural financial market which is competitive and supplied efficiently based on the financial need .Secondly, referring to the valuable experiences of Chinese urban financial market, that is the multi-polarization of the financial institutes ,the reasonable supply and demand, the diversity of the investment concept, and the consuming policies that creates new consuming boom, directed by the experiences of the BRI, and the international rural financial market, that is the multi-competitive rural market ,the main functions of various financial institutes react and complement one another mutually and government's powerful supporting policies to agriculture , the author sums up some references on constructing a long-term, stable and efficient rural financial market.Thirdly, to construct a competitive market supported by stable and consistent policies according to the demand of the market, to focus our efforts on building a market of service, of high efficiency ,of competition, the author puts forward to the following suggestions ,1. To solve the problems in the service system of the market, we should explore a multi- polarization fund supplying mainstay .2. To enlarge the ways to get funds, It is suggested to establish some small-scale and medium-scale financial institutes which aren't attached to banks to grant loans .3. Rural non-government financial institutes should be approved and standardized .4. Build up the rural credit system so that funds can be returned .5. Ensure that the development of rural areas is to be supported by powerful policies and by the urban areas .Finally, we will be aware of the importance and the effect of reconstructing our rural financial market by comparing the changes of the curved lines of the supply and demand and the productive possibility of the west economics .