The Existing Problems And Its Countermeasures In Rural Finacial System From The Perspective Of New Countryside Construction

Recent years,cpccentral committee and the state concuil take a series of policiesof supporting the countryside and benifit it,regarding scetific outlook on the development as the whole to guide ecomic society's development and according to the need of combining the rural development with the urban one .every area and every department carefully practice the goervernment's orders to strengthen"the agricultuture ,farmer and countryside"problems.agriculture and rural development have a ppearance of possive changesand welcome the new opportunitis of development .the goood situation of agriculture and rural development play an upholding role in keeping domestic economy increasing steadily and stability of society .at present ,agriculture and rural development are stiull in a period of climbing the slop because agriculture infrastrucature is weak ,rural social undertakings are legged behind and the contradiction of urban-rural residents'income is still prominent .therefore ,well solving the problems of agricutture farmer and countryside are still the most important and arduous historic task in the process of industrialization and urbanization .meanwhile ,at present ,it is also the the most pressinbg social problem.building a socialist countryside is an effective way to solve agriculture farmer and countryside problems.at the third plenary session of 17th communist party of China central committeee,"agriculture,farmer and countryside'problems were considered as the main task to build a harmonious society.among them ,accelerating the reform of the rural fanancial initatives provided the strong finacial support in developing rural economy ,increasing the agricultureal pruduction,increasing the farmers'income and improving the farmers'lives.therefore ,how to establish a sound finacial institutionsystem and how to modify the existing system of finacial institutions are key to collect the funds that arew needed in rural development .Rural fiancial institution as the center of modern economy plays an important role in supporting the new countryside's construction.but,at present ,ther channel of collecting the rural funds is not smotth ,the existing finacial system cannot completely meet the need of new countryside's conside'sdevelopment and objectily,it requiresstregthening the reform of rural financial system, improving rural financial service system,optimizing the distribution of financial resources and enhanceing the credit support to agriculture and countryside.in order to get rid ofthe plight of the rural fiancial reform.stragies about building a new socialist countryside proposed by cpc central committee made an important proposition about rural fiancial reform and development as well as provides a significant opportunity.building a new countryside need sustaned financial support which requires financial institutionthemselves must have a sustainable operating environment,which further accelerates rural financial reform and innovationand service.over the pst few years some new financial policies in favour of farmers annouced by chinese communist party and central goernment have improved the rural financial service to some extent .but the the broad masses of rural areas still face the more serious finacial repression which leads to slowing the speed of building a new countryside due to the shortage of funds.How to use new concepts ,mechanism,operation to provide continuous and effective fiancial services for the new countryside'construction and to explore a operating model which can getthe maxium benifit as much as possible even in the rural areas wheree the rate of returning of capital is not high is going to be a historic task which fiancial related to the countryside.This article makes us think from the current fiancail status combining the existing situation of rural credit cooperative in the processa of building a new countryside so that we can conduct a deep analysis about the fiancail repession factors in the process od buildinga new countrysideat this stage.meanwhile ,he puts forward the issue of the reconstruction of rural fiancial system and supports the choice of ways and politics of buildinga new countreyside in order to accelerat rural fiancial reform and innovationand service and step up the building a new countryside.the write elaborates his ideas in three aspects as follows:the demand for capital for buildinga new countryside;at present ,the existing problems in the financialsystem and their influneces ,reinforcement of rural financial reform and innovation and severice.In the aspect of the capital need of buildinga new countryside ,the writer believes that economic development of socail undertakings.therefore ,inorder to build a new countryside,we must improve the rural ecomic stituationas a starting point so that we can promote the development of politics economy,culture,and society.the improvement of rural economic situsationneed strong financial support which are maily used to improve public infrastructures ,realize the industrialization of rural areas and the construction of agricultural wateer conservancy.s.on the basis of od those aspects,apart from the government should increase the financial capital input, the financial system shold increase the capital input,too .which is nesscessary conditions for building a new countryside.Besides ,the trite also conducts a deep anaysis about the existing problems in rural financial systems and their influences.these problems consist of several points as follows:1rural financial service system's distribution2unsmoothment of credit mangement of the actual ruralecomnomic develpoment 3rural caital outflows and seriousness of thecontradictions between the rural capital outflows and the large demand of capital for buildinga new countryside4undeveloped ruralecoenvironment.these problems are big obstacles for developing rural economy and solving the agriculture farmer and coutryside problems.they have bad effect and they are not good for building a new countryside.therefore,seeking a effectiveand coordinating mechanism has become a key point that the wtrite needs to pay a tettion to .how to find a the combining point between the demand of capita of rural construction and improvement of the services of rural financial institutions and stregthen rural financial institution reform so that we can establish a reasobale ,effective ,comprehensive coordinating ,sustainable financial institutionsystem.working out a multi-tier fiunancial system to satisfy the need of diversificationof rural development.the write thinks that we should do five points as follows1enhance rural financial organizations'construction and improve rural financial service system2reform and innovate the credit management system and increase the agricultural capital imput3establish rural capital returning systemand improve rural investmen and improve ollecting system4optinize the rural financil environment to creat a nice social enviornment5 accelerat rural fiinancial innovation to deepen and exted the ability of financial supporting the countryside's development according to the need of new countryside's construction.therefore the framwork of rural financial organization should be reformed and reset to establish a diversified financial institution which are composed of strategic finance commercial finance cooperative finance and private finance.this financial instituation system are sound fundation,resonable division of labr and are based on agriclutture farmer and countryside .moderate competion propertyrights clear ,effective supervisionso that we can perverse the siuation of on rural credit cooperative supports the agriculture farmer and countysideEnvasing the route of realizing the new rural area from the old rural are we can conclude into three ways alienation that is urbanization,which the agriculture is changed into industry and service industry,second is evolution that is agriclture modernization,which the traditional minimal agriclture is changed into large scale modern agricutlture,the third is degradation that is ecologization and environmental protect,returning farmlad to forest,fostering eco-friendly tourismindustry.these three toutecan only leed to the final result,that is'reducing rural area reducing peseants so it become a long-tem and arduous task for the urban and rural finance to provide constant financial support for the migrant worker to enter the city and transfer into non-agriculcuture.therefore we must depend on the interaction of the whole financial organization industry the rural finance ,the cooperatiion of policy finance,developmemt finance comercial finance cooperative fiancetocomplete the new rural areas evolution progress of urbanization and industalization.