BinZhou City Financial Backing "Three Agricultural" Economical Development Strategy Research

The finance is the modern economy core, the economy also is good develops quickly cannot leave the financial force support.Party's 16 sessions of Fourth Plenary Session proposed "construction socialism new countryside"as the work goal, at the beginning of 2007 third nation finance workshop also proposed on the financial backing socialism new rural reconstruction the new request and the work direction, enlarge to "three agricultural economies"support dynamics, positively boost the socialism new rural reconstruction into finance department the most important responsibility. Therefore, we take the region three agriculture industry development present situation as the angle of view, selected the Huimin, Zouping, wudi three counties has carried on the thorough investigation. In the investigation sample county, Zouping County is one of national economy hundred strong counties, the "three agriculture" economical development are swift and violent, the agricultural industrial production degree is high; Wudi County is the economical medium development county city, in the last few years the industry economy fast development, the agricultural industrial production degree enhances gradually; Huimin County economy owes developed ,the individual, the privately operated economy still is at the immature development phase, the agricultural industry resides in the rural economy the dominant position, egressed the service to become the main channel which this county farmer additionally received.Chooses the sample county, could represent the current our country rural economy finance development to send the condition.The investigation selects peasant household 1000 stochastically from the sample county (including individual engaged in commerce), privately operated small and medium-sized enterprise 100, by the questionnaire, discussed and visits and so on the ways to carry on the investigation, and deferred to the analogy the way to carry on to the correlation data has compiled with the analysis.In the thorough investigation, the proof, in the analysis foundation, the paper first elaborated the finance is good to "three agriculture" the huge booster function which develops quickly, from the financial backing characteristic agriculture, agricultural aspects and so on main item enterprise, individual privately operated economy, small cities construction as well as service economy has carried on the specify. Next was aims at current "three agriculture" the economical development main existence restriction factor and the weak link has carried on the analysis, from agricultural aspects and so on industry own flaw, financial system arrangement, financial finance policy carried on the indication, had pointed out "three agriculture" in the economical development "big and were not strong", the anti-risk and receive the loan ability to be weak, the farmer primitive accumulation insufficiency, the credit environment unsatisfactory, state-owned commercial bank and the postal savings fund rainbow attract and so on the main question. Was once more the dissect financial industry support "three agriculture"the economical development innovation pattern experience and the question, discussed the people business self-service joint guarantee, the peasant household thoroughly has loaned supporting agriculture finance innovation and so on guarantee association patterns, from had the background, the operation pattern, the main result and the main enlightenment and so on four aspects has carried on the indication.Finally is the union above elaboration, proposed the financial backing "three agriculture" in the economy developing process need to perform to improve or the breakthrough direction, for example: Perfect and suits "three agriculture" perfectly the economical development present situation financial organization system; Further increases the financial innovation dynamics, specially in policy-type finance to "three agriculture" economical support aspect; Enhances "three agriculture" economic subject own anti-risk and receives the loan ability, establishes to financial backing and so on service economy, farmer specialized cooperative organization persistent effect mechanisms and so on.