Analysis Of Problems Of Rural Credit Support And Solutions

Attention is always paid to rural finance by theoretical and practical areas, which is also a difficulty to policy maker. Especially in the background of new rural construction, promoting the integration of urban and rural areas through financial support starts to be highly focused. In this thesis, the author summarizes former research results on rural credit support, studies related theoretical foundation of rural financial support and development, discusses the relationship between rural finance and rural economic development and prove the insufficiency of support to country by finance through empirical analysis on balanced development of rural economic development in Shandong Province. Based on this, the author put forward a solution for mid-term and long-term by setting village bank leading by the leading enterprises of agricultural industrialization according to the problems in rural financial system, from the point of system engineering, using both method of short-term and long-term method. In the current situation, the most important thing is the innovation of credit products instead of the reform of financial system. Focused on this, the plan to solve the problem of farmers and small firms credit is raised and the related solutions are suggested. This thesis is organized as follows:In the introduction, the backgrounds, goals, significance, ideas and innovations are given. In the second chapter, the related theory of rural financial support and the current research status are discussed. In the third chapter, the reasons for the insufficiency of financial support to rural economy are discussed through empirical analysis of Shandong Province. In the forth chapter, the experience of developed and developing countries in rural financial development and its enlightenment to China are analyzed. In the fifth chapter, the developing path of new rural financial institutions, setting village bank leading by leading enterprise is discussed. In the sixth chapter, the current problems and solutions of loans of rural small firms are discussed. In the seventh chapter, a series of policy advices are given to the problem of rural credit support from the point of system engineering.