Development About Rural Credit Of Our Country

The three dimensional rural issues is of great significance for social development rapidly and in maintaining social stability. so the credit is very Important for the issues. The Asian countries shown that the rural credit provided by financial institutions will become an important source of funds for agricultural inputs with the advancement of agricultural modernization. So we should pay attention to credit funds for agricultural support role, in the process of building a modern agriculture. However there are a large of gaps between the actual needs and the existing investment. Our rural credit problems is still very serious. There are a lot of influence factors for our rural credit. Including the legal system of rural credit is not perfect, the organizational system has loopholes, the products is unreasonable, lacking of innovation, the rural insurance is penurious. This article analyzes the path of rural credit system of Asian countries, and learns from the experiences and lessons of Asian countries rural credit. Finally, same countermeasures and suggestions are raised for improvement our country rural credit.Firstly, the credit and the rural credit are defined. It Introduce the theory of rural credit subsidies, the rural financial market theory and the theory of imperfect competition market. Making them for the theoretical basis in this paper. Then it analyzes the current situation and problem in our country. And anglicizing the reasons for these problems. In this After, it references the experience and inspiration about the typical Asian countries. And obtains the measures for reform and improvement our rural credit system. It discusses the main content from the policy, the bank, the insurance and rural credit system. We should focus on the goals, the principles, the measures of the improving the system of rural credit, for accelerating building of a new countryside.The innovation of this paper is select these Asian countries, which are similar with our country in some respects. These respects include humanities, geography, the structure of knowledge, the stage of development and the status of agriculture in the economy and so on. From the development of rural credit in these four Asian countries, summed up the reference of our country, and it is very typical.