Study On The Development Of Rural Nongovernmental Finance In China

As a kind of system arrangements which is endogenous of the progress of rural economic development, rural nongovernmental finance its production has necessity and rationality as well as some characteristics and weakness itself which promoted rural economic development while bring certain risks to the running of rural economics and macro-economics. Therefore, the research on the standardization of rural nongovernmental finance is of great theoretical and practical significance. This dissertation using economical theories and methods, taking rural nongovernmental finance as a breakthrough point, beginning systematically from both theory and practice, tries to make an analysis on our country's rural nongovernmental finance deeply and completely with critical attitude.Besides the introduction and conclusion, the dissertation is divided into five chapters: The first chapter is the commentary review on corresponding literatures of rural nongovernmental finance. At the beginning, it introduces theories of financial repression and financial deepening as well as their main ideas, so as to explain the production and development of rural nongovernmental finance. Then the concept of nongovernmental finance is defined up to its different expressions in academic circles. At last, a comprehensive evaluation is made on these varies views. The second chapter expounds the current status of our country's rural nongovernmental finance and main problems that existing. Not only its practical expressions of large scale, multiple forms, high rate, etc, but also some problems of rural nongovernmental finance which exists in financial system, financial credit, internal operation and management, operation mechanism and national macro-control influence are proposed. The third chapter analyzes the reasons of the problems that exist in rural nongovernmental finance. From views of history, government, system, rural nongovernmental finance organization itself and peasant quality, the reasons of restricting rural nongovernmental finance development are discussed. The forth chapter is a conclusion of experiences of many countries and areas such as America, Japan, Bengal and Taiwan of China. Their system arrangement and supervision strategy should be used for reference positively, especially the experiences in the progress of nongovernmental finance legalization. The fifth chapter provides the feasible policies and suggestions on the future development of rural nongovernmental finance, including clarifying the suitable status of nongovernmental finance, standardizing the systems of nongovernmental finance, changing the role of government, enhancing supervision of nongovernmental finance and promoting the corresponding legal system, etc. besides, it also suggests that improving the reform of rural interest rate marketization and improving peasant's comprehensive quality.Finally, conclusion of this dissertation is proposed as follows: rural nongovernmental finance development is the endogenous requirement of rural economic development. We must follow the inner law of finance depending on economy, correctly guide and monitor the development of rural nongovernmental finance on the premise of enhancing risk prevention.