Study Of China's Rural Credit Supply

Since reform and opening up, China's rural credit market has developed greatly, the rural financial system which is all over the whole country has been preliminary formed, and the monitoring system has been established. All of this played important role in the development of China's rural economy and rural area. But we should also see the existing rural credit has been unable to satisfy the new demands of the rural economic development and new need of rural construction. It provides a historic opportunity for China's rural credit market reform and development that the proposing of the new strategic of "Building a new socialist countryside". At present, it is causing more and more concerned about people that how to carry out a new round of rural financial reform and found the breakthrough point of the reform, and how to build a rural credit system fitting characteristics of the "three rural". The Reconstruction of China's rural credit system needs to be further studied.This paper made in-depth exploration into the status of China's rural credit supply system from the supply angle, and summed up the problem on the causes, which made a number of perfect views of the rural credit system. The author believes that the root causes of existing problems in China's rural credit system is not only the financial repression that led to a lack of vitality of the rural credit market, but also the organizational system, property rights model, service and supervision system that does not fit the characteristics of China's rural economic development. There must be a big adjustment to make capital support to agriculture play its due role. And we should focus on building a competitive rural credit market. This market should be led by the commercial institutions, supported by policy-oriented institutions, and be made up of a variety of other financial institutions to competing actively. Capital flows smoothly with the national policy to support the market.This paper is divided into the following sections.The preface is about the main topics of the author's background, and the significance of a brief introduction. Chapter one, summed up the results of previous theoretical studies, to build a platform of theory for my studying in this paper. Chapter two, compared the history of China's rural financial development review, with that in nowadays ; Deeply analysis are given in Chapter III on the status of China's rural credit and the main problems existing. Chapter IV sets out the overall principles and ideas of the rural credit system reform. In Chapter V, author analyzed the problem on the base of material collected, and brought out his own views on the reforms of rural credit supply system.