| How to reform and develop China's rural finance and how to put it adapt to the promotion of China's rural economic development are widely discussed in recent years .Domestic scholars study the hot topic. understanding of rural banking accurately and completely need to pay attention to not only formal financial products, also need to be concerned about the long-term financial hidden in the ground. In fact, before the birth of formal financial institutions, the human economic activities depend on the civil nature of the borrowing to solve. Along with the formal financial institutions such as bank's development, civil financial gradually becomes a supporting role, but it has never withdraw from the historical stage. On the contrary, in the rural economy of developing countries, nongovernmental financial playing an increasingly important role.This paper introduced the "financial ecology" .It is from a new perspective and dimension to study the rural folk financial, which is comprehensive, scientific understanding rural folk financial. Rural financial ecosystems have significantly to the theoretical and practical significance.The ecological problems can be thought as the model to effectively explain China's financial problems, there are two main reasons: first, when we use the methods and results of Ecology to analyze and study the financial issue, it is not difficult to find that finance it is indeed a system which has many characteristics of the ecological system; second, it has Chinese characteristics and will help us tounderstand China's financial system and solve the existing problems. Chinese financial system have many problems .Such as resource allocation efficiency is not high, accumulating large amount of bad assets, most market of financial resources can not be run in accordance with market principles. Past research tells us that when financial institutions only remain in the internal search for the answer, the explanation given is not satisfactory. We should study the effectiveness of the rural folk financial in the framework of rural financial ecological .First, we must understand what is the rural financial ecology? What is the rural folk financing? Financial ecology is a biochemical financial summary ,is to put certain financial conditions for observing and analyzing financial operations, some of the financial environment is seen as the combined result of the conditions. Rural financial ecological and financial environment is a subsystem, refers to various rural financial and development organizations in order to survive, and between the living environment for its internal financial organizations in long-term mutual links and interaction process, through the division of labor and cooperation is formed by certain structural features. Civil Finance is the main financial ecology in a part of the current theory and practical work on the civil sector financial define the content also yet to be reunified. the paper called civil financing, mainly due to civil financial bottom-up spontaneously by civil organizations Civil financial refers to individuals, families, bypassing official between enterprises through formal financial system and direct the activities of financial transactions, it is not yet incorporated into the government's supervision, and not be got the financial status of a legal form. Chapter II of this paper is mainly on rural finance and rural financial civil ecological definition of the concept, theory and balances between the two complement each other.We said that the financial ecology have a nature of evolution. In most of the countries of the world, the evolution of the financial industry are accompanied by the progress of the productive forces and relations of production adjustments and formed a natural evolutionary process in an orderly manner. The difference is that China's modern history is the leapfrog development of the process, after the founding of PRC, our country has experienced a planned economy to market economy and the restructuring process, This "thrilling jumps," and develop the current imbalance of the status quo, but has also aggravated the China's financial sector vulnerability. Performance: In the main aspects of the rural financial ecology, there are virtual home ownership structure and corporate governance deficiencies, lack of adaptation to the environment and the development of the capacity for their own survival strategy ;In the rural financial ecological environment, there are the poor credit environment, enterprise-wide system is not built, excessive administrative intervention, imperfect market system ;In rural financial ecological regulation, the transition of the financial industry to protect and control, national credit guarantee mechanism of the financial damage the ecology of competition rules, the financial structure of soft budget constraint, financial supervision and regulation is not in place and so on.The rural finance and rural financial civil ecological relationship is mutual, the development of the rural folk rely on financial development of the rural financial ecological, Rural folk ecological financial and rural financial constraints is the cross-cutting nature: On one hand, the rural folk modest financial development will be conducive to a healthy rural financial ecological environment, the rural financial ecological good will also promote rural development of the standardization of civil financial, or rural folk financial appropriately develop --- perfect for the rural financial ecological norms rural folk - financial development; on the other hand in a certain extent rural folk financing is the "double-edged sword", we analyze its financial ecology of the rural active role must also face to its inherent defects, if any of these drawbacks, there are likely to ecological sustainable development of rural financial harm, is not conducive to their own development, that is owed to the development of the rural folk financial inhibit rural financial ecological which hinder rural folk sound financial development.The development of financial rural folk plays a certain positive effect to the development of rural financial ecology. Chapter IV of this paper mainly analysis the rural financial ecological from the three dimensions. First, the principal of the rural financial ecological role of the principal rural finance major ecological including the government, farmers and small and medium-sized private enterprises, the informal financial institutions and civil financial four parts. The second is the impact of ecological environment ,ecological environment refers to the role and influence of the financial operations of all external factors, which is the basis of all financial operations of the conditions, including the political system, economic system, the legal system, social customs, and cultural tradition. The third is to promote rural financial mechanism for the formation of the ecological regulation.This paper is the thought of the author about study of the effectiveness of China's rural folk financial improving rural financial ecological, I am limited knowledge on the various theories ,lack of more in-depth research, this is the deficiency of this paper and also is the author of the study on the future direction of further efforts. |
PDF Full Text Request