Research On The Problems And Countermeasures Of Rural Financial Reform From The Perspective Of Agricultural Industrialization

The 18th National Congress of the CPC proposed to follow the path of new industrialization, informatization, urbanization, agricultural modernization with Chinese characteristics. To achieve the simultaneous development of "four modernizations", achieving agricultural modernization is the premise and foundation of it. However, one of the keys to achieve agricultural modernization is the development of agricultural industrialization. With the rural economic reform and industrialization of agriculture development in Qujing, modern agriculture are introduced and a new round of rural industrialization is launched. Agricultural industrialization demands strongly for rural finance, and generates the pressure on the reform of the rural financial system. But now, in the most of rural areas of Qujing, it’s difficult for the industrialization of agriculture development to obtain effective financial services, in addition, the quality of credit assets of financial institutions is poor, non-performing loan ratio is high, rural financial risk is short of prevention measures, development of agricultural insurance market is not well established, and development of non-formal financial institutions are not standardized. One important cause of rural economic growth and regional imbalances for expansion trend is the differences in the levels of rural finance development. Agricultural production is largely effected by natural conditions; once stricken by the natural disaster, it will seriously affect the security of credit funds, and the weak rural economy will lead to reform of rural finance endogenous underpowered. A series of measures will be taken in Qujing, however, it requires a great deal of money to support to realize these measures, but financial allocations can not meet the needs of development of agricultural industrialization, which puts forward higher requirements on loan financing.Therefore, in the process of agricultural industrialization development, we should integratedly develop agricultural industrialization and rural financial reform, seeking their joint of development. To further promote banking support for local economic development in Qujing City, we should develop an active credit policy, continue to increase the intensity of bank loans, change the work style practically, improve the service’s level of banks for agricultural industrialization, innovate new products, and fully meet the financing needs of agricultural industrialization. We also should build a diversified investment and financing system of agricultural industrialization, upgrade the overall quality of agricultural industrialization enterprises, enhance their market competitiveness, strengthen the rural financial ecological environment and improve the financing environment. Furthermore, we should regulate rural land management, improve the land transfer policy, establish and improve the rural financial system, standardize agricultural insurance services, speed up the construction of rural credit system, and optimize the rural financial environment. As thus, we not only solve the fund-bottleneck problem in the development of agricultural industrialization process, but also further deepen the reform of rural finance.