The Construction Of Rural Credit System

The flaw of rural credit system has already become the main reason of rural development fund restraint. Establishing and consummating the rural credit system is an important way to alleviate the rural development finance restraint. Although rural credit system has achieved certain achievement in our country, due to the weak rural credit foundation, the rural credit system still has many problems. This research conducts a study on the rural credit system based on Shanghai. Through the summary of the rural credit system construction experiences in some developed countries, this study analyzes the status and problem of rural credit system in Shanghai and promotes some strategies for the development of rural credit system in Shanghai.The essay is divided into five parts. The first part is the introduction, including the background, significance, main purpose,methods,framework as well as innovation of this study; The second part is the review and sum up of the concept and the theoretical foundation. The concept including credits credit system and the credit structure, the theoretical foundation including the imperfect competitive market theory, information asymmetrical theory, drive theory as well as transaction cost theory. The third part makes the summary and the introduction from overseas of the rural credit system construction experiences. The countries including the United States,European as well as Japan. Through the contrastive analysis, this part provides reference of the rural credit system construction for our country. The fourth part carries on the analysis of the status and problem of rural credit system in Shanghai. From the aspects of the financial organization development and the credit system development, this part summarizes the status and problem of rural credit system in Shanghai. The fifth part is the suggestions of the rural credit system in Shanghai. Based on the present situation of rural credit system in Shanghai, this part proposed some strategies for the development of rural credit system in Shanghai, including establishing government leadership and market unified rural credit system, speeding up the credit legislation construction and penalty mechanism and constructing reasonable credit information indicators. Through these measures, we attempt to seek the best method to develop the rural credit system in Shanghai.