Research And Thinking On The Current Rural Financial System

The "three rural" issue is always concerned by China. To provide financial support for rural finance is to achieve income farmers, agricultural development and rural stability, the premise of the strategic objectives. To establish a clear division of labor, functional complementarity and financial bodies and a wide range of rural financial system and for increasing the effective supply of rural finance to accelerate agricultural and rural economic development is of great significance.On the surface, China has established a relatively perfect system of rural financial break. However, in recent years along with economic development and financial institutions, deepen the reform of the existing rural financial institutions have undergone tremendous changes:the Agricultural Bank of a large number of dismantling and merging the business network in the rural areas; the Agricultural Development Bank's business gradually declined, the policy function defects obvious; tendency of commercial operation of rural credit cooperatives serious,. and its monopoly in the rural areas becoming increasingly serious. Existing rural financial system severely restricts the development of rural economy and farmers income levels increase. Therefore, to improve China's rural financial system is the construction of new socialist countryside inherent requirement.In this paper, China's rural financial system as the research object, in learning the theory of financial development, institutional economics, macroeconomics and other related disciplines, based on systematic analysis of China's rural financial system and the development of the status quo, pointing out that China's existing rural financial system the formation of the root causes of problems and issues, and learn from foreign countries the rural financial system in the development of successful practices and experiences, combined with the current China's socialist new rural construction on the actual requirements of rural finance and put forward China's rural financial system and improve the policy recommendations and measures.This paper is divided into four parts. The first part is introduction, including:evidence and research topics of significance; literature review of existing research and the existing shortcomings; this is expected to achieve, using the research methodology and framework papers. The second part is the issue of China's rural financial system diagnostic studies. In this section, the first of China's rural financial system were defined, reviewed and summed up China's rural financial system development process and the status quo, followed by the analysis pointed out that the rural financial system problems and the root cause of the problem. The third part through the respective pairs of United States and other developed countries and developing countries such as India's rural financial system characteristics are described and compared summed up the above-mentioned countries in the development of national rural financial system, reflected in common experience. In the forth part, according to the current problems in China's financial system and learn from foreign countries the rural financial system in the advanced experience, propose to China's rural financial system as a complex system engineering, from innovative rural financial organization system, improve the rural financial market the mechanism of competition and innovation in rural financial monitoring mechanism in innovation and reform.