Accelerate Rural Financial System Reform

In the modern society, finance is closely linked with economical development, the solution of "three agriculture" problem, the construction of socialism new countryside, the participation of World Trade Organization, all those bring forth new request to the rural finance, the rural finance question receives great attention. In our country rural finance system is continuously in the transformation, although we have got great improvement in the recent years, there are still many problems. The function of supporting agricultural development do not completely display, which has affected our country agricultural development as well as the rural economy prosperity. So we must speeds up the reformation of rural finance organization.First, the paper make the review and the summary to the course of rural finance system reform, which has experienced three stages approximately: Rural finance preliminary reform; Rural finance reform deepening; Rural finance reform comprehensive implementation. The paper has made the review to fomal finance and informal finance. on this foundation, the paper analyses agricultural development bank of china, china agricultural bank, rural credit union , postal savings, agricultural insurance, rural informal finance and rural finance supervising and managing, which has pointed out questions, and has analyzed their reasons.Next, from new countryside construction, participation of WTO, the contradiction of countryside fund supply and demand, the construction of new countryside need fund the, through massive data and graph, contrast finance supporting agriculture and rural finance loan to push rural economy development, explained the ability of financial supporting agriculture is limited, the growth of farmer's receives is slow, improve that the rural finance is the main actuation to rural economy development. But the rural finance system condition cannot impel the development of rural economy well at present, sometimes even hinder the rural economy development, the participation of WTO, the stipulation of "Agricultural Agreement" set the reform request to the present rural finance system.