Western Rural Financial Reform And Innovation

China has a vast territory and a large population. The Chinese social economy develops unevenly, which is showed by regional difference and the difference between urban and rural area. The dual structure of urban and rural areas deepens increasingly, and the difference between east and west region becomes larger and larger. The hash fact shows that there are many difficulties to build an all-round well-off society in China. The urgent affairs to surmount these difficulties are to solve Problems facing agriculture, rural areas and farmers and to develop West economy rapidly, avoiding the difference between urban and rural area and difference between east and west region becomes larger. 《CPC Proposal about Making the 11th five-year Plan of national economy and social development》passed by the Fifth Plenary Session of the Sixteenth Central Committee, defmitudes our aim and guideline of economy and social development henceforth 5 years, proposes a significant historical task to build a new socialist countryside, makes direction for work for agriculture, rural areas and farmers currently and henceforth a period. Because the most of West is rural area, the development of West countryside seems very important as a certain combination of rural areadevelopment and West development.In modern economy, none of the links such as production, exchange, distribution and consumption of products, gets rid of finance. Thereby,nowadays no matter developed or developing countries widely use financial level to adjust social resource, in order to carry out macro-regulatory of the economy.It requires support of funds as well as rural finance for West rural area to develop economy, adjust the industrial structure and increase farmers' income. Yet at present West rural finance has gradually become bottleneck which restricts development of West rural area. Focusing on West rural finance, this article tries to explore an innovated way fit for West rural finance development and to provide a few helpful exploration for government to carry out strategies of "build a new socialist countryside" and "developing the western region" more successfully from the view of finance, with elicitation and direction of related theories and combination of successful experiences of foreign countries to solves corresponding problems and fact of our West rural finance. The frame of article is as follows:Chapter 1: summary of rural finance. This section expatiates mainly from two aspect of concept and characteristics of rural finance and rural economy development. Reader can get a general idea of concept and importance of rural finance. Chapter 2: analysis of West rural finance actuality in our country. In this section, author firstly reviews the history of West rural finance from the establishment of China, then puts forward existing problems of West rural finance, and makes analysis on causes of these problems. Chapter 3: domestic or foreign successful experiences of rural finance development. Author chooses domestic or foreign regions whose rural finance develops well to introduce. Japan and Germany are taken as foreign examples, and Wenzhou in developed region and Minhein Qinghai Province whose rural finance develops comparatively well are taken as domestic examples. Chapter 4: reform and innovation of West rural finance. The general guideline of reform of West rural finance is to build a West rural financial system, which achieves helpful mutual influence of finance and industry structure with core of cooperative financial organizations, significant support of policy banks, and necessary supplement of civil finance. So this chapter contains five sections surrounding this guideline. Section 1 introduces cause and thought of Reform. Section 2 discusses cooperative finance, policy finance, civil finance and the mutual influence relation of West industry development and finance.This article analyzes the reason of slow development of West rural finance, through reviewing the history of West rural finance. Taking domestic or foreign successful experiences of rural finance development for reference, it tries to find a certain way for West rural financial development with the principle of "adjusting measures to local conditions"...