The Study Of The Current Rural Financial Services And The Path Choice

Generally, rural finance refers to circulation of money in rural areas. Rural finance development has close relationship with rural economy growth. Presently, rural finance service has fewer mainstay and weaker function, imperfect market, incomplete financial reform, and has difficulty to meet the financial needs of peasant and small and medium sized enterprises. Along with constant deepening of the rural economy reform, how to solute each kind of questions exist in current rural financial service in maximum limit and realize the harmonious development goal of rural finance and economy, has become the question which urgently awaits to be solved during the Chinese rural economic development.This article first carries on an elaboration to the background, the significance and the domestic research dynamic of this paper’s research, cleared about the train of thought, and taking ri zhao as a example, expounded the financial demand of rural economic development and supply situation of rural financial services.This article roundly analyzes the main problems existing in current rural economic with a great quantity of data and examples, such as weakening of supporting agriculture function of rural financial institutions and serious outflow of rural fund, rural credit management system needs further consummation, imperfect social investment environment and so on. In view of these problems, propose countermeasures on how to improve rural financial services:scientifically constructing rural finance services system with reasonable division of labor and supplementary functions, establishing assorted fund backflow mechanism and increase funding input, perfecting credit management system and raise efficiency of serving rural economic development, strengthening innovation of rural financial tool and perfect financial serving functions and optimizing external environment of rural finance development.Presently, Chinese rural finance is changing profoundly and in an important historical turn point. It faces many challenges, also many new developing opportunities. Constructing and perfecting rural financial system serving "agriculture, rural areas and farmers",providing constant financial resources to new countryside reconstruction, have very important current and social significance.