The View From Balance Urban And Rural Development To Building Rural Financial Ecological Environment In The City Of Chongqing

Finance is the core of modern economy,played an unique role to the economy.The efficiency and enhanced of Economy need the allocation of financial resources and configuration.The People's Bank of China completed the analysis for the historical reasons of the formation of non-performing assets of China's from 2001 to 2002 in 2003 tell the world for the first time by the survey data:reasons of the formation of large non-performing assets and financial risks is not only from the financial sector itself,but also from a wide non-financial sector as the operating environment of financial sector's.In 2004 the president of People's Bank of China Zhou Xiaochuan put forwad the concept "financial ecological environment," the concept includes social credit system,legal,accounting and auditing standards,intermediary service system,the progress of enterprise reform and bank-enterprise relations,etc.the various elements of each other interdependend,interaction,and promote the development of the financial industry jointly.The raise of the problem of Financial ecological environment can help the correlative branch to find the source of the problem,put forward the corresponding measures,and guides the local government to improve the regional financial ecology,for the financial resources to develop the local economy and guard against financial risks.The city of Chongqing became the sample plot of the complete set of reform measures of the balance urban and rural development at June 7,2007.The substance of the balance urban and rural development is to improve the dualistic structure of urban and rural areas and set up the Integration of urban and rural areas.The important aspect is the financial system of dualistic structure of urban and rural areas.The balance urban and rural development depend on the regulation to the efficiency and applicaton of the financial resources distribution.It is extremely important to build a favourable finacial system to bring about the supporting function to the development of urban and rural areas economy.This article raise the frame system of rural financial ecological environment in the city of Chongqing based on the index in <> and the condition of the city of Chongqing at present.This paper use a kind of development method to analysis the process of transmutation of rural financial ecological environment t which dated from Chongqing to be the municipality directly under the Central Govemment.The data from the paper demonstrate that the factor which infuence economy,legal system,administration and the behavior of government and establish the index system which describe the whole rural financial ecological environment the city of Chongqing.Consequencely,the recommendations which is from the analysis of the data to the financial ecological environment are raised.These suggestions are favourable to the construction of the rural financial ecological environment in the city of Chongqing.①A stable economic base is the basis of a good run to a solid financial ecological environment,the economic in Chongqing's develop rapidly since the municipality directly under the Central Government,but the economic fundamentals remain weak in rural areas,with low degree of organization,lack of funding deficiencies,need to enhance the modernization of agriculture,supporting small and medium enterprises and private enterprises,such as ways to enrich the rural economy basis.②The development of rural financial needs of the perfect function of rural financial system to support.Chongqing financial services" Problems about Agriculture,Ruralareas and Peasantry" function has been weaken at this stage,the imbalance of the development of rural financial, need to strengthen the policy-oriented financial support,develop a comprehensive and variety of commercial finance,through the insurance system in rural areas to transfer agricultural risk and innovate financial products accord with the " Agriculture,Ruralareas and Peasantry "characteristics to improve the rural financial system.③Unsound credit system will increase the transaction costs and affect the financial resource allocation.Through the improvement ofcredit information system,the establishment of a comprehensive security system for agricultural development and support for credit institutions,we can provide consummate credit services.And then we will establish scientific and reasonable credit system as soon as possible.④The lack of financial investment by Government and facilities in rural areas would not be able to promote the formation of the rural financial depression.So,Governments need to create a favorable financial operating environment to develop economic,the establishment of fiscal and financial cooperation mechanisms,appropriate support and development of various types of rural financial institutions,as well as to gradually resolve the problems of employment of migrant workers returning home to promote the recycling of financial resources.⑤Favorable legal environment for the smooth functioning of the financial environment is essential.To speed up the process of building legal system,we should do in the two aspects from the system construction and environment construction of law enforcement.Such as strengthen legal construction,solid financial foundation for the ecological system,then we will build a rational and efficient financial ecosystem.