The Research Of Rural Financial Service In The Perspective Of Pubic Management

Abstract: In the progress of solving the three rural problems, strengthening rural financial services plays a crucial role. By researching the present situation and existing problems, this paper tries to analyzes the main reasons that affect the development of rural financial services from a public management perspective, and make some scientific advice on strengthening the rural financial system, all of which the author is sure will be of great practical significance to improve our country's rural financial services and achieve sustainable rural economic development.From a perspective of public management, the article selects rural financial services as research object. Not only does it discusses the relationship between rural development and financial services, and proposes the idea of rebuilding new mechanisms and carriers for rural financial services, but also analyzes the role and status of Agricultural Bank of China as well as its working direction in rural financial services. With related theories and analyzes methods like public management, social economics, finance and statistics, the author chooses Feicheng city as an example to study the current status of rural financial services, service needs and problems. Combined with the practice of Feicheng branch of Agricultural Bank of China, the author also studies the effective way of strengthening rural financial services. The main achievements are as shown below.1. Revealed the root of "three rural" problem from the angle of public management. The author argues that the "three rural" issue is not only a localized problem related with agriculture, rural economy and farmers'income, but also a problem related with China's overall economic and social development. It is a social problem of multi-domain and multiple levels.2. Analyzed the reasons that waken rural financial services with Public Management Theory. Strengthening rural financial services reflects national will, but financial institutions'natural feature of persuading economic interests resulted in the incoherence among government will, social expect and business operation.3. Proposed the idea of constructing new mechanisms and new vectors for rural financial services. This thesis argues that government should rebuild rural financial services and fully activate rural financial institution's "blood-making"function. For example, supporting, flourishing and optimizing rural financial environment with appropriate policies, and introducing competition system to improve rural financial services.4. Analyzed rural micro-loan with the purpose of solving existing problems. This article argues that the major factors that affect the development of microfinance are the obvious contradictions between financial agency's role of undertaken social responsibility and pursing economic interests, between poor market development and strict asset management requirements, and between the large demand of market and its unqualified service-supply ability. So in order to make small loan business develop healthily, a multi- linkage among finance, society and so on should be implemented leaded by the government.5. Proposed ideas to construct rural payment channel-system combined with work practice. The author argues that payment and settlement is the weakest link in rural financial services. The country branch of Agricultural Bank of China should play the main role in building three-dimensional networks, containing building points ,self-service equipments, electronic banking channels which are three-dimensional, wide coveraging, multi-level, low-cost, so that rural residents can fully enjoy the modern financial services.