The Study Of China New-type Rural Financial Institution

At present, China's rural financial reform entered a new stage, most of the rural financial questions come from revolving around how to provides "Agriculture,Farmer, Village" financial services to promote its development. However, the existing rural financial institutions are increasingly unable to meet the financial and service diversification needs from " Agriculture,Farmer, Village " , new rural financial instituions formed to fill the rural financial markets service blank, they take Agriculture,Farmer, Village as focus to meet the farms and agricultural business loans demand. Currently, there are many developed foreign micro-finance cases, such as Such as the Bengal Grameen village Bank, Rural Credit Department of the People Bank of Indonesia, Bolivia Sun Bank, American Community Bank. These successful cases for new financial institutions in rural give our country revelation, at present, China's rural financial institutions is still in the stage of exploring and developing, and it has been looking for reasonable development model.Under this background, this paper applies the methods such as Comparative Analysis, system analysis and statistics analysis, base on in-depth studying the development of new type rural financial theory and the track of evolution history, Learn from foreign experience of successful models, and explore the existing new-type rural financial institutions operating mechanism, Analyzing the problems and reasons which exist in our country's new rural financial institutions operational mechanisms from the perspective of the theory and practice, getting the following conclusions: (1) New financial institutions developed under the premise of the evolution of the non-formal financial institutions system;(2) The establishment of new-type rural financial institutions effectively ease the situation that insufficient supply loan, the absence of formal status of financial institutions in rural areas; (3) new-type rural financial institutions (4) Since lacking of the legal system, lacking of development experience, and their own reasons makes our new-type financial institutions have many problems to solve immediately such as Restrictions on interest rates, risk control, improper supervision, financing difficulties, not perfect instituion, in which financing dilemma is the main factor constraint the development of new-type financial institutions;(5) our Legal Policy and support of the Government play a vital role in solving the problem of development of new financial institutions. This paper not only provide us with comprehensive detailed information about our new-type rural financial instituions and institutions, but also has great significance in policy: First, complete and improve the legal construction to create a sound system support for new-type rural financial instituions and institutions; Second, Compliance management and strengthen self-construction to provide a good instituion environment for it's development; Third, complete and improve the monitoring system and avoid operational risks to provide a good system environment for their healthy development. Hoping this paper' study can provide some revelation to sustainable business development of rural new financial institutions.