A Study On Chinese Rural Land Financial System

Three agricultural issues is the important problem which get to social concern, leadeships' attention,scholars' study in recent years,It is not only social and political issue,but also major economic issue that relate to Chinese overall economic development.The rural economic problem is the most important issue of three agricultural issues,but one of the troubled rural economic problem is the shortage of funds,it has become the bottleneck of solving three agricultural issues.For the vast majority of farmers are relatively weak in economic strength,have no reliable collateral,the nature of small-scale agricultural economy operated by themselves, China's existing agricultural support policies and many shortcomings of the system and function in rural financial institutions,they do not want to give farmers greater amount of the loan,so it causes that farmers are difficult to get loans.It needs improve China's rural financial system,rural land system and other relevant policies and needs states to increase financial inputs to solve the shortage of funds and difficulties in loans。Establishing and improving basic principles of rural financial system are as follows:combine the construction and improving of rural land financial system with the establishment of rural market system,combine the country's economic development strategies with industrial policies,from the start of improving rural loan system,create the right to use land as collateral,increase the capacity and demand on their use of credit funds,establish a standard rural financial market。But household contract operating system of our rural areas make financial institutions helplessly in solving the loans that small-scale production need。Establishing a sound land finance system is the fundamental solution。Our county's rural land financial system is still in its infancy,exploration stage, it suits socialist market economic system,has obvious particularity from other countries and regions。The characteristics of the right to use agricultural land owned by the farmers decide that it suits in the rural financial system as collateral。One side it can solve difficulties to get loans,On the other side it can reduce operational risks of rural financial institutions,the problem of agricultural development fund shortage can be solved。So this paper' idea is to make land focus to the hands of a few people by circulating rural land,transferring rural labor force to achieve the scale of operation。Then the financing of the rural finance has practical and feasible。To promote China's rural and agricultural development,increase farmers' income,solve the "three rural" issue fundamentally。This article is based on theoretical and empirical analysis methods。From the overall,this article focuses on combining qualitative and quantitative analysis。It uses the two methods mainly in the formation of models and eventual view。To get points through standardized theoretical analysis,then to go empirical analysis through the collection of empirical data,thus on the basis this paper come to the conclusion and policy recommendations。...