China’s Rural Financial Innovation

30years of reform and opening up, China’s rural finance from scratch, perfection and development, formed a certain scale and the development of the rural economy rural financial system matching. This system to track financial is dominant, informal finance is added. As the development of rural economy in our country the most important capital allocation, economic development in rural areas is more and more important role. But the present our country rural financial services to the overall level is not high, urban and rural difference is big, farmer income is low problem still is highlighted, making China’s current rural financial system has many defects and problems inherent in. Of the party5in plenary meeting on sixteen rural financial development referred to a considerable height, put forward to deepen reform of rural finance in China is the development of rural economy the necessary premise, countries have begun to have steps gradually strong support for the healthy development of rural finance. This paper from China’s rural financial development and the current situation, analysis of China’s rural financial system has many defects and problems, points out the causes of these problems, put forward rural financial innovation and the analysis of selecting, hope that through the central government, local government, enterprise and farmer oneself the adjustment, rural area the financial system will gradually improve and perfect, will be for our country rural economics and even whole national economic development play a positive role in promoting.This article from the financial services to upgrade the quality and efficiency and meet the rural economic and social development and the farmers’ diversified financial services needs as the guiding ideology, to solve the real problems for the purpose of, from the domestic and foreign research work on innovation of rural finance, rural financial status, problems analysis, not following any ideas, through development meticulous investigation study, through typical examples, expounds the rural financial innovation be imperative, and individual research results with current national policy put forward this point of view:seize the innovation of rural financial products and services through this breach, financial system actively the unremitting efforts, in the national effort to innovation and popularization, promotion of some really fit the rural and the actual demand of the farmer characteristics of financial products and services, to innovate and perfect agriculture of new financial service mechanism, advancing with the times and to meet the demand for rural financial services. Through the research and analysis, to financial reform in rural areas and other areas of innovation and innovative measures of coordination, actively and steadily push forward with some suggestions, rural areas and farmers get more, more affordable, more convenient financial services, allow more rural low-income people to enjoy the modern financial services, the more large scale and on a higher level of comprehensive promotion of rural financial service level.