Study On The Perfection Of Chinese Rural Financial Organizational System

The economic development in rural areas is the foundation for the stable national economy. In order to ensure the steady and rapid development of rural economy, a standard and amplified rural financial organizational system should be constructed to provide the funding supports. The present rural financial organizational system seems to be perfect and in large scope, but in fact, the system isn't perfect and its function is weak. The supply of regular financial institutions in rural areas can not satisfy the financial needs of rural economic development, which results in the difficulty of financing for the peasant and town enterprises. The lacking in funds of the principal part of rural economy is the bottleneck constraint of the economic development in rural areas to a larger extent. There are a lot of deficiencies in the rural financial organizational system. Its reasons are commercial financial institutions retreating from rural financial market and the simplistic financial service of state financial institution and the lack support for agriculture in the cooperative financial institutions and the more deposits and less loans in post office saving bank and the constrained development of irregular finance . Therefore, it is important theoretical and practical significance to speed up the reform of Chinese rural financial organizational system and adapt it to the development of the socialist marketing economy.Through the historical review of Chinese rural financial organizational system, this thesis points out the problems existed in the present rural financial organizational system and makes suggestions on how to reform and perfect the financial organizational system. The measures are reconstructing the present rural financial organizational institutions to realize between the state policy-related, cooperative and commercial financial system, well establishing the present regular rural financial organizational system; strengthening the state policy-related functions of agricultural development bank, giving full play to the role of the agricultural bank to support agriculture, rebuilding the rural credit cooperation, establishing and strengthening agricultural insurance organizational institutions, lessening the control over the irregular financial institutions, fostering and integrating the rural irregular financial institutions to accord its development with regular financial institutions, setting forth the laws and regulations on the rural nongovernmental finance, corporate finance and agricultural insurance as soon as possible. Based on the analysis, the present research concludes: China should construct and perfect the multi-layer and form rural financial organizational system in which the regular and irregular financial coordinate and Chinese banks and foreign capital banks cooperate.