Research On Problems And Suggestions Of The Rural Financial System

China’s current economic gross has come to the second in the world, but per capita has got about the one hundred place. The reason is very simple, too much Chinese population’s annual income was less than the average value, among them, the majority come from rural areas, is engaged in agricultural production, behind the " super-rich "gross, hiding the wealth gap. To solve the gap between rich and poor in China, in addition to improve the distribution system, but also to find a breakthrough from the Chinese rural social economy at the bottom of the china, the rural finance is undoubtedly the breakthrough point. Rural finance is the core of the rural economy, played a very important role in narrowing the urban-rural gap between rich and poor, urban and rural economic development. This article is based on China’s rural financial development and on the basis of the experience of the foreign rural financial system, combined with the empirical analysis of the rural finance and economic growth, to explore why China’s rural financial system does not generate the maximum efficiency to support agriculture, proposes the construction of rural financial system in China.First combing the existing research undertakes. Review of financial development theory and the rural financial development theory. Review of theory of rural financial development including the agricultural subsidy of credit theory, rural financial market theory and the theory of imperfect competitive market. At the same time from rural financial scale and efficiency of rural finance in two aspects summarized the domestic scholars research results.Secondly, this paper analyses the rural financial system in China:history, status quo and existing problems. Analyses the status quo of China’s rural financial system from two aspects of the constitution. The main problems are:credit rationing severely, large capital outflows, imperfect markets and institutions funding tension.Thirdly, the empirical analysis in this paper get the conclusion:rural difference between deposit and loan increases, the first industry of rural disadvantaged; There are negative correlation between the rate of township enterprises loan growth and the rate of output value; there are rate negative correlation between the rural residents’income growth and rural dweller deposit growth, means that the rural financial institutions deposit source reduction, will affect the rural finance mechanism of the sustainable development capacity; the rural finance and rural economic development is not very harmonious.Finally, this paper put forward some suggestions to the construction of rural financial system in China through the analysis of the experience of foreign rural financial mode. Mainly include:the implementation of UNPROFOR farmers business, credit rationing; emphasize the service target, stop capital outflow; innovation mechanism of financing channel, promote sustainable development.