Fujian Province Rural Financial System Development Present Situation And Countermeasure Research

Finance is the core of national economy, the rural economic development is inseparable from the rural finance development. New rural construction funds can not rely entirely on the financial capital, financial capital will become the new rural construction is the main source of funds. Along with the Fujian province rural finance system reform and the further development of agricultural industrialization, rural financial system in the presence of deep-seated contradictions and problems have gradually emerged, become restrict rural economic and financial development of the important factors.This article from the new rural construction on the rural finance system proposed new requirements, in the analysis of rural financial system in Fujian Province Based on the current situation, elaborated Fujian to save rural financial system, constraints, and targeted to improve the rural financial system in Fujian province and the countermeasures.At present, Fujian province rural financial organization system underlying the formation of the policy finance, commercial finance, cooperative finance, financial cooperation of division of labor of new rural finance pattern. Rural credit cooperatives after the reform of property right system, improve the corporate governance structure, become the main force of financial support agriculture; Agricultural Bank through the shareholding system reform, in order to serve "countryside,agriculture,peasant" as the direction, the exploration of large commercial banks to serve rural effective mode of rural finance, become another important pillar; agricultural development banks expand policy support agriculture field, enhance the policy function of supporting agriculture; the establishment of postal savings banks, focusing on the exploration of savings fund backflow rural mechanism, requirements for the realization of capital take at farming, with farming; rural banks, loan companies for the establishment of the rural financial service system has injected a new force.Although the Fujian rural financial system reform obtained certain result, but the overall development of lagging behind the situation remains unchanged, the Fujian rural financial system still exist in financial institutions to support agriculture, agriculture-related weakened commercial banks active low, financial credit product is single, agricultural loans, loan cost is high, the agricultural insurance coverage is low, rural guarantee system is diseased wait for a problem, capital throws inadequacy is the bottleneck that restricts rural economics development.Therefore, in order to further deepen the reform of rural financial system in Fujian Province, this paper puts forward the perfection of rural financial organization system, increase a government to give aid to rural finance reform efforts, policy-oriented agriculture way, perfect agricultural insurance system, perfection of agricultural laws and regulations, innovation of financial products and services, including the creation of low cost, wide coverage the rural financial products innovation, financing guarantee, advance experience of credit support agriculture patterns and other measures, much channel raises money capital of agriculture, promote the establishment of socialist new countryside construction on the west side of the straits.