| In order to build a well-off society and achieve the harmonious society's development,the most difficult tasks is development of rural economy and increase farmer's income.As an important component of the economy,finance's developmental speed,Scale and operating efficiency of determine the economic development.As an important part of rural economy,the rural finance Play an important role in supporting the rural economy development.However, because the farmers' credit demand is small and lack of credit collateral,Farmers are difficult in obtaining the formal financial institutions' loan,which lead to the imbalance between supply and demand in the number and structure.In order to deepen rural financial system,establish rural financial organizations suitable for rural finance development and improve rural financial services,this paper follows the following ideas in the context of the new rural construction:first of all,we explore to establish rural financial services that is suitable for the socialist market economy,then,By combining the normal,theory and empirical test we analysis the present situation and characteristics of farmers credit demand in china.At last,we reveal the problem of the rural financial organizations supply and try to seek a fundamental ways to solve this problem,this paper includes six parts:the first part,the General,mainly talk about the issues and the background,objectives and ideas,content and structure,methodology and data:the second part,the theoretical and conceptual framework of reference,which are summarized financial organization theory and the rural financial development of the basic theory,introduced the basic concept and objectives of the rural financial institutions; the third part,the analysis of China's farmers credit needs,mainly from theory and empirical test analyzed the farmers credit needs and its features;the fourth part,the problem of rural financial organizations supply,mainly using statistical analysis method analyzed of China's rural financial organization current status,problems and causes;the fifth part,the perspective of China's rural financial organizations innovation,mainly from imbalance between supply and demand in the number and structure,analyzed of the rural financial organizational innovation feasibility,mechanisms and models,and the problem of a new type of rural financial organizations in the operation,by using micro-credit organizations as an example;the sixth part, research conclusions and policy recommendations,the former text of the analysis and exposition made a brief summation,and on how to innovate China's rural financial organizations propose practical Policy recommendations... |
