Bz Rural Credit System Construction And Choice Of Path

The building of the Rural Credit system is a systematic project to optimize and improve rural financial and ecological environment, and also being an important part to promote the building of the new socialist countryside. The building of a new socialist countryside can be inseparable with the capital investment. At the same time, it can not completely rely on finance fund. The financial capital should be the main source to support New Construction of the Rural Areas. It will make the construction of rural credit environment to look as important. The building of the Rural Credit system is going to improve rural credit level, enhance the awareness of rural credit, and optimize the items important element of the rural financial environment. The building of the Rural Credit system will help to improve the environment of rural credit, to optimize regional ecological environment in rural areas, has an extremely important significance for increasing the effective funding of financial institutions, and promote the building of a new socialist countryside.Now, our entire financial market can be divided into two major markets:the city finance and rural finance, under "invisible hand" of the automatic adjustment,the profit-driven and urban high returns of the financial markets in the market, there is no suspense that the funds flows from the rural financial market the city financial markets.It is like a "pump" to the rural financial system, that the original lack of credit funds to support the rural market funds is continuously transported to the city’s financial market in pursuit of high returns. In this case, the development of the rural financial market is seriously lagging behind, and the serious financial supply and demand imbalance in the economic and social development in rural areas, the lack of credit funds seriously hampered the development of rural economy, restricting rural enterprises, expand and life of the normal production and operation of farmers improved quality.The missing of Rural market financial regulatory function, both reflect the structure of the rural financial market, the rural market system is not well structures, resulting in rural financial markets can not be a good play to promote rural economic development, promote social progress in rural areas, and improve the function of the income of the farmers. On the other hand, it is reflects that the reform of China’s financial system is not complete. perfect, and thoughtful, the overall financial system, the credit system is far behind the demand of the rural economy of financial intermediation, not promote the national economy the development of dual financial structure of China’s financial market is also caused by an important reason for China’s urban-rural dual economy ", further increased the gap between rich and poor also contributed an important factor. Improve rural financial market structure, the transformation of rural financial markets function, change the "blood of the credit" for the credit to send blood "credit hematopoietic raise the level of economic development in rural areas, changing the urban-rural dual economic status quo, to ease the gap between rich and poor in China is imminent.This article will through the analysis and study of the role of the rural credit system, combined with the actual situation of the BZ City credit system, use the comparative analysis and inductive analysis method to proposed based rural credit guarantee, secure the foundation of agriculture, strengthening the external environment construction, provide strong support for rural financial ecological environment optimized to improve the rural financial system.