The Research Of Comprehensive Development Of Rural Financial Subjects In The Balancing Processes Of Rural And Urban Areas

1.background of the researchIn October 2003, the Communist Party in China proposed the "five balances" and "urban and rural development," the first place, do not co-ordinate the development of urban and rural areas, not only 'three rural issues' can not be resolved, the city's many problems is difficult to resolved, cities are hard to develop better. "Our country is now reached a very urban and rural development can not be a time when, otherwise, our country's sustained economic development will not be carried out, China's modernization process will be interrupted. Thus, urban and rural as well as a longer period of China's current socio-economic development of the main objective of of socio-economic research in the field is also a hot spot on the one hand it can be used to test the correlation theory is reasonable, it can also be used to guide the practice of socio-economic development. while the urban and rural co-ordination is one of the key issues of urban and rural finance, co-ordination, the urban and rural financial co-ordination is based on the financial bodies and co-ordination, so urban and rural development, financial bodies and co-ordinate studies of great significance.2.The expatiation of the theoryco-ordination is to a unified theory suggests that comprehensive planning, unified planning, is to find different things in different link between job content to seize the link, to take into account the different characteristics of different things, through the integration, coordination, and ultimately the overall efficiency maximization. Urban and rural development refers to the change "in urban-industrial, rural agriculture," the dual way of thinking, will be urban and rural development, to closely combine, coordination, and full consideration, and foster the integration of economic and social development workers and peasants thought, to the full realization of well-off society as the overall objective to develop the vision, the idea of co-ordination to the scientific development concept as a guide to solve the problems of urban and rural areas. Urban and rural financial co-ordination is to change China's current rural financial resources have been concentrated in urban outflow, resulting in gross disparities in financial resources of urban and rural dual structure of the situation, the financial needs of urban and rural areas be closely combined, coordination, and full consideration, and foster financial integration of urban and rural the economic and social development of new ideas, solve the "three rural" development, and new rural construction funds issue and realize the overall development of urban and rural areas3.Method of the researchAccording to China's current financial status of urban and rural areas, the first analysis, set out the co-ordination of the current key issues of urban and rural finance, combined with practical work experience and their own,. the main emphasis on the urban and rural financial services, conducted a study on the subject co-ordination of the measures proposed to solve the hope of co-ordinate the promotion of urban and rural finance, especially financial bodies and the layout and planning play a guiding role.4.The thought of the researchIntroduction PartⅠ:This article describes the key concepts involved in content, analysis, summarized the current co-ordination of the main issues of urban and rural finance shows that this paper will focus on the main issues of urban and rural financial co-ordinate research co-ordination of the main reasons. Same time, through domestic and international overview of relevant research literature to explain the meaning of the topics of this paper to study the content and research methods and basis. ChapterⅠ:Introduction. Explained the intention of topics of research content, research methods, innovative ideas and further research prospects.ChapterⅡ:The urban-rural co-ordination overview of the theory of financial development. First, the theory of co-ordination, co-ordinate the strength of urban and rural finance and rural finance development of the domestic and international representation of viewpoints in order, and be reviewed. On this basis, put forward: the current status of urban and rural financial imbalances, namely, the non-co-ordinate the development of, first and foremost, direct the performance of the main body for financial services is not co-ordinated to achieve a direct obstacle to the development of urban and rural financial co-ordination. Only in the service of co-ordination to achieve the main body, which is manifested in the financial markets in both urban and rural areas to form a more fully competitive system, competitive system, smooth co-ordination, and with financial institutions through a competitive competition between the main body is only possible to provide adequate funding supply range of financial products, improve service levels, reduce service prices, with outstanding talent, improving the business environment and so on, and thus the chance of achieving overall co-ordination of urban and rural finance for the urban and rural development support. From the "urban-rural coordination, balanced" point of view to build in line with the needs of urban and rural economic development, urban and rural financial system point of view.ChapterⅢconsists mainly Zhaobi in urban and rural principal organization of rural financial service system for optimization of the basic concepts and theoretical framework. Organizational system on the current composition of China's rural areas are briefly reviewed, with emphasis on the current organization of China's rural financial system to do an analysis of the problem characteristics and to Zigong City in financial institutions in rural and urban services, the cost of credit and transaction costs for doing empirical research, and relevant conclusions drawn.The fourth chapter in the previous chapter analyzes the various problems that exist in the chapter from the new-type rural financial institutions and traditional financial institutions have done a careful analysis of the two, especially from the cooperative finance, policy, finance, commercial finance in several key areas of the highlights.ChapterⅤat the end of this paper, focuses on the completion of this thesis in the period, a person's feelings and experiences, of course, due to limited capacity and hunting narrow, the text of the analytical depth and breadth there are still some shortcomings.This paper studies the idea:to co-ordinate and related financial theory, from urban and rural areas in recent years, China's financial reform, the main difference in starting point, in-depth analysis of the main differences between urban and rural finance and its implications on how to achieve the main co-ordinating urban and rural finance, build, "coordinated urban and rural and balanced, "a new system of urban and rural finance to propose a solution.