Study Of Yunnan Province, Rural Financial Ecological Problems

2004, Zhou Xiaochuan who is governor of the People's Bank of China made the concept of financial ecology, in order to opened up a new perspective in the field of finance research. Because the rural finance as an important component of modern finance, the study of the ecology of rural finance will no doubt to make a new ideas to develop rural finance. In the wave of financial liberalization and information technology, our country through a series of reforms, such as the financial system reform, innovation in financial services, financial instruments innovation, control financial risks and so on, to promote the further development of the finance. At the same time, the conditions of rural financial ecology have also been improved. However, the regional economic development is uneven across the country and the effects of above mentioned reforms are difference, this paper studies the ecological problems of rural finance in Yunnan Province. In this article, large amounts of data were used to describe the development of Yunnan Province's rural finance ecology, including five aspects. There are economic development, rural financial development, government public service, credit environment, legal environment. Basic on the above characterization, this article deeply analyzed the problems of rural finance ecology. At the third part of the paper a model was been build to evaluate eco-environmental of the rural financial system. Model-based analysis to the conclusion that: the rural financial ecological environment of Yunnan Province was in a weak position, the reason is that the rural economic foundation of Yunnan Province is weak, poor development of rural finance, rural credit and legal environment was bad. To solve these problems and improve the ecological environment in Yunnan Province, the following policies and measures were the key. First of all, we should make efforts to adjust industrial structure, while use science and technology to promote agriculture development. The second establish a competitive and cooperative rural financial system, set up new types of rural financial institution to strengthen capability of financial support agriculture. The third, government functions should be actively tend to service type and reduce inappropriate administrative intervention. The forth, we should be from the aspects of credit education, credit information system, information disclosure and disciplinary to construct rural credit system. The fifth, improve the rural financial laws and regulations, building a good legal environment. Furthermore, we need to further improve the system of property rights by promoting corporate governance reform, improving the accounting, auditing and information disclosure standards, establishing personnel training system, to strengthen internal control of financial institutions.