Study On The Construction Of China's Rural Financial System

The domestic and foreign research indicated that, the financial system has the important promoter action to the economical development. But as a result of since long ago, the deviation city and the industry developmental strategy which our country implements, to the rural finance direct intervention policy as well as rural finance own systematic flaw, causes our country's rural finance system not to be able to display to the rural economy development support function, on the contrary has to a great extent hindered the enhancement which the countryside area economy development and the farmer receive. Enters in 2006, our country new rural reconstruction shoves open gradually , the original rural finance system effectively supports the new rural reconstruction with difficulty. Therefore, establishes a reasonable effective rural finance system is impels the rural economy development and even the entire new rural reconstruction indispensable important link.The main content of this thesis:This article first carries on to the China rural finance system evolution process combs, thus has one to our country rural finance development to know clearly, carries on the historical review to be helpful to us understands the Chinese finance system present situation thoroughly the formation. Then separately launches the multi-level analyses from the rural finance demand main body and the rural finance supplies main body two aspects, for constructs our country rural finance system from the financial demand and the financial supplies interaction angle to lay the foundation. Finally"follows under the mentality in the demand which the law"; and"the supplies are in the lead method"; unify to construct the multi-level rural finance system, through the cooperation finance, the commercial finance, the policy finance, in the standard folk financial four big channel is specially the financing demand carries on the thorough discussion to new rural reconstruction each kind of financial demands. The first chapter content including three aspects: To rural finance concept limits, to our country rural finance system reform historic course combing as well as to our country rural finance system evolution appraisal. First section synthesizes the rural finance system the theory content and the region limits, the rural finance system is refers, is composed below the county and the county by certain banking industry financial organ or the activity is the rural economy development allows temporary credit the fund the financial organization system. On the other hand, looked from the financial supplies angles that, our country rural finance system reform entered the diversified market stage, the new rural finance organization appears in abundance, for example only loans does not save financial organ, villages and small towns bank and so on. These changed newly for studies the rural finance system the construction to provide the recent information.The second chapter had been established after new China 1949 years will start our country rural finance system evolution to divide into five stages. Third section separately discusses, the economic system transformation way, the rural finance system from the benefit satisfies three angles to the rural finance realistic demand, has carried on the evaluation to our country rural finance system evolution, provides the historical experience for the new rural finance system construction to profit from.The third chapter discusses our country rural finance supplies situation. The first section discussion cooperation finance, commercial character financial, policy-type financial as well as the countryside folk finance development present situation, specially the new rural finance organization appearance symbolized entered the substantive stage in the new rural finance system reform. The second section utilization real diagnosis method, through surveys our country rural finance system financial correlation method target FIR, carries on longitudinal and the crosswise comparison to our country rural finance deepening degree. Based on the longitudinal comparison, our country rural finance deepening degree deepens truly in winding, but from the crosswise comparison result, the rural finance deepening degree is opposite with our country overall finance deepening degree says, but also has the very big disparity. This article has analyzed the disparity existence reason thoroughly, has drawn our country countryside area existence supplies finance suppression conclusion. Fourth chapter is this article key point, in the first three chapter of research foundation, launches the discussion to the new rural finance system construction. First section introduced the rural finance system construction elementary theory, and has carried on the narration to the related theory, provides the theory support for the rural finance system frame construction. Second section proposed constructs the rural finance system overall frame. Third section unifies the new rural reconstruction in the theoretical analysis foundation the present situation, proposed constructs the rural finance system the basic principle. Fourth section from the cooperation finance, the commercial finance, the policy-type finance, the countryside folk finance proposed constructs the rural finance system the concrete conception.The main characteristics of this thesis1,Discusses the new rural reconstruction time rural finance domain the new change. At the same time, looking from the rural finance demand angle that, the peasant household, the countryside enterprise as well as government's financial demand appeared the new content and the characteristic in the new rural reconstruction time.2,New research angle. From had looked about the rural finance system construction literature that, most is obtains the discussion from the financial organ reform aspect, also has from the rural finance demand angle carries on the analysis. This article pays great attention to the rural finance supplies and the financial demand union, in carries on the analysis to the different rural finance main body demand in the foundation, how discusses four big rural finance supplies channel to carry on to the different characteristic rural finance demand satisfies.3,Attention real diagnosis analysis. After collection reform and open policy since 2004 year data materials, calculate our country rural finance correlation method target FIR, carries on the longitudinal analysis and the crosswise comparison to our country rural finance deepening degree.4,Attention sample reorganization and case analysis. In to the rural finance demand present situation discussion in, collected and reorganized the massive sample material. Makes the form, the graph according to the processed information, carries on the quantitative analysis to the peasant household and the countryside enterprise's financial demand. 5,Attention theoretical analysis. This article pays great attention to constructs the rural finance system elementary theory combing, in obtains to three big kind of elementary theory narration foundation in constructs the new rural finance system frame the enlightenment.