The Study Of The Building Of A New Countryside On The Problem Of Credit

The fifth plenary session of the party's sixteenth describes a wonderful blueprint of new socialism rural by using the words: "production development, lives amply, local custom civilization, village accommodates neatly, management democracy." Finance is either the core of modern economy, or the main impelling force of rural economy development. But we have to face that the financial support tends to attenuation in the situation of needing lots of funds investment in the new rural construction, credit question outstandingly. Mainly displays in: The quantity of rural finance organization suddenly reduces, its function of supporting agriculture tends to attenuation, and forms a monopoly pattern. The tendency of fund outflow increases steadily during pursues fund security, fluid, and profit maximization, which makes rural fund "anemia" further.The present credit support can't satisfy multiply and the multi-level financial demand; rural credit develops rapidly but has some risk; the difficulty in loan mortgage, guarantees has restricted its growth and the new socialism rural construction. So we must impel the rural finance system reform, establish rural financial system as "function perfect, cooperation reasonable, sovereignty defined surveillance powerful." and raise the finance serves level. The mentality is: in premise of guarding risk effective, full display the power of commercial bank, policy bank and rural cooperatives financial organization, encourage other finances support the rural finance, support innovation in rural finance system, gradually consummates the rural finance necessary system construction, diligently realizes four further: enlarges the supporting rural dynamics further, enhances the supporting rural quality further, consummates the supporting rural function further, and strengthens the supporting rural effect further.