On Rural Financial Services Model Of Chinese Banking Industry

Rural finance is an important core of the modern rural economy.Serving agriculture,farmer and rural area can not do without the effective support of rural finance.However, since the long-term development of China's rural financial system is imperfect, which leads to rural finance is still the weakest link of the entire rural system. So how to improve the services to rural economy through rural financial services model innovations has become a very important way of solving the problem of agriculture,farmerand rural area.This paper,based on Marxist theory and some theories of western economics.It uses not only empirical analysis, normative analysis,comparative analysis and other methods,but also reviews a series of No.1 documents of the central government in recent years the state has announced and some great event during the rural finance development. In this paper,it briefly discussed about the current developing situation and existent problem of "agriculture,farmer and rural area" field.In addition,some analysis of rural financial demand also included.In accordance with the state's requirements to establish a multi-layered,wide coverage and sustainable rural financial market system,China's rural financial institutions have gradually established its market position and operation policy with distinct local characteristics and also commited to providing financial support for the vast rural market.However,currently,there are still some problems exsisting,such as,imperfection of the financial service system, imbalance of the financial services, serious outflow of funds in rural areas,higher risk of rural financial institutions to operate,etc.These problems lead to the effective supply of rural finance can not meet the growing demand for rural finance and seriously hampered agricultural and rural economic development. Drawing on the success of foreign agriculture service experience,this paper proposes a conceive about building an "one body two wings" model innovation of China's rural financial services.Specific as follows:Firstly,innovation in organizational system to promote rural financial institutions professional and manage localization.Secondly,innovation in rural finance product system to meet multi-layered financial requirements in all dimensions.Thirdly,innovation in rural financial risk management model to promote the healthy and sustainable development of rural finance.