Research On The Rural Finance Market Questions And Countermeasures In Our Country

With the improving of the socialist market economy, finance plays a more and more important role in optimizing the allocation of resources and accelerating economic growth. Rural finance market gradually develops from sole state bank to policy bank, commercial bank, countryside credit association and other regular finance, as well as folk gathers capital, folk meeting, bidding meting, illegal money shop and other non-regular folk fiance, which make up rural finance market. However, rural fiance market develops relatively backward. It mainly displays in the following aspects: the withering of regular finance system in rural areas; non-regular finance is still at the primary phase of its development; the finance authority neglected is guidance to non-regular finance; insufficiency of effective supplies to rural finance; rural insurance is unsuitable to the development of "three agricultures"; lacking of financial services in rural areas; massive out flawing of fund in rural areas; credit fund cannot satisfy the need of rural economy and the development of society; serious internal contradiction in rural finance market; the finance ecological environment worsens; the external environment is not optimistic; the credit of rural finance is in great short; the system of fund backflow and effective competition in rural areas lacks; the rural finance market is running at low efficiency. The development of rural economy is still restricted by lacking fund.Recently, for more than ten years, scholars from both home and aboard have had strong interest in rural finance market. More and more administration, experts, scholars have already explored or is exploring the rule of rural fiance market from different angle's and have drawn different conclusion. The issue of rural finance market is becoming the frontier of research practice and hot spot of fundamental research. But the research results rather paused at the research of a certain aspect either considers the matter in and of itself. It cannot go into further research from macroscopic angle to construct rural finance system with wholesale plans. It did not consider the coordination and conformity of different rural finance supply system. Either it cannot set the rural finance at a macroscopic finance background, displaying the research from the angle of economical system theory. The insufficiency of rural finance fundamental research causes the rural finance reform lack theotic instruction, and incapability of system coordination, as well as lacking driving force.In order to seek measures to solve rural finance market issue, the government should embark from systematic theory angle, setting the rural finance reform at the national macroscopic economical system and rural economy system, discussing the issue of rural finance reform, proposing the measure of rural finance reform, eliminating the dual structure in urban and rural finance. The government should also guide non-regular finance onto a regular way, pushing the rural finance reform and economic system. The systematic theory has vital significance in solving rural finance market issue. Here, I divided it into two subsystem separately to study: regular rural finance market and non-regular rural finance market. Then I further divided them into certain smaller system to analyze and work out measures. I try to make a complex problem simplified and not lose its logic. The establishment of competition system in rural finance market is a macroscopic and universal problem.The government must take an overall view to strengthen cognition and make the reform plan clear and then ascertain the target of reform. We must establish the system of fund pricing in rural finance which lead by the market, alter the function of government, improve the competitive environment of finance market, establish competitive rural finance market marked by market diversification, discuss the rural finance system reform in the view of symbiosis theory, investigate the symbiosis between rural finance and rural economy, and the symbiosis among different finance institution.Regardless of what angle we stand on, and what method we take to study the rural finance market issue. The measure to solving the problem are no more than four aspects: establishing and improving rural finance service management system, speeding up rural credit management and guarantee system innovation, exploring finance products which suit peasant household and rural economy, establishing rural finance sustainable development system and pattern.