The Studying About Finance Holds Out That The Common Product Of Rural Area Supplies

Our country is a agriculture country, rural area population reaches more than 900,000,000, the development of our country economy and society is decided and effected by development of rural economy and society. The Central Committee of the Party and the State Council take the Science develops theory as the policy which Stimulating the development of economy and society over the past few years, adopted a series policy of supporting peasant and giving peasant benefit according to the request developing planning as a whole city and countryside, having brought forward the new rural area building a socialism. The research that the common product supplies with a problem to rural area becomes a problem therefore. Mainly, from the angle that the finance supports, the problem supplying carries out the main body of the article on common product of rural area studying.The common product of rural area is not exclusiveness and is not competitiveness with having consumption's like other common product Common. Product consumption is no detachable, e.g. that the forbidden boundary fixes property right, so it can not becomes the condition competing for a marketplace providing property right. so Individual Can not share benefit with others therefore , individual enterprise is short of the fervency about the common product's because of it , must provide by volunteering privately, but provide be to pass government organization mainly most. For a long time, public property of our country government throws into city and the accented term, especially on common providing. It not only leads to common our country rural area product supplying current situation show for all quantity deficiency, but also leads the structure supplying is unreasonable. Include mainly: Agricultural infrastructure throws into deficiency; Compulsory education throws into deficiency; rural area social security system is uncompleted; Peasant employment is short of training; City and countryside tax system difference; Now available science and technology level supports lack to the agriculture; The villages and towns organ serves consciousness no highly, poor efficiency waits a minute.Whose cause comes right away , is insufficient mainly since our country budgetary income scale is less , population financial resources is limited , our country finance disbursement to the agriculture and rural area is obvious. At present, the villages and towns regime of government as rural area grass-roots unit, main part having born this common area under self's jurisdiction product supply with duty. But villages and towns government system inner budgetary income satisfies the common without end so gigantic disbursement at all, this needs the finance support right away. Merging with the gradual deepening of financial reform, the state-owned commercial bank has been withdrawn from rural area and remote districts step by step, large amount of rural area net has been joined quilt withdrawing, central and western regions rural area credit throws into the rural area compressing especially, this leads to the hiatus that the finance supplies with a support effect to common product of rural area.We need to change the problem that the finance supplies with a support effect hiatus at present to common product of rural area , are to need to must carry out big adjustment on financial system , have the rural area financial market in structuring a competitiveness in mind first. Such financial market ought to be to take trade financing as leading factor, the finance participation, fund working together are able to have effect back-flow, and to be supported by country policy. Under the premise ensuring that plentiful of minimum capital requirement, strict financial regulation and rational effective building-up withdrawing from are machine-made, we should encourage community banking institution setting up various kinds of ownership in county intra-area, allow private capital , foreign capital etc. to join share. We must standard rural area finance only standard, make this kind of finance only standard organize being brought into the new model agrarian finance organization who has the self-development , self-control , high-effect travel , accords with rural economy developing to building one in standard financial system step by step. Secondly, we should reinforce the intensity of reform now having rural area banking institution, Bring the support effect that policy banks, commercial bank and the finance working together supply to common product of rural area into play sufficiently, take support the common product of rural area to supply with region banking institution beneficial result as the county increasing point, stimulate the enthusiasm that banking institution supplies with support to common product of rural area.