The Research On The Rural Financial Development In Inner Mongolia:a Functional Perspective

China’s rural finance is an important part of the financial system and core of modern rural economic development. At the same time, the rural financial development is an important force of the "agriculture-countryside-farmer" development. The "agriculture-countryside-farmer" development has been the most important task of our party. It is not only related to the vital interests of millions of peasants, and is also related to our long-term stability and development. Therefore, it has an important practical significance to promote effectively rural financial reform and accelerate the pace of the rural financial services to the "agriculture-countryside-farmer" development. However, with the deepening of the rural financial system reform in china, the rural financial development in Inner Mongolia is still lagging behind.Then, in the process of rural financial development in Inner Mongolia,there are still many issues worthy of our in-depth study,such as what problems still exist,what the goal of the rural development,and what kind of reform should to be used,etc.This paper based on functional perspective systematically studied the rural financial development in Inner Mongolia,and presented the connotation of the rural financial development based on functional perspective with drawing the domestic and foreign research of the theory of financial development and the theory of rural financial development;And with following the logic method of "functional view",this paper analyzed the external ecological environment faced by the Inner Mongolia in the development process, mainly from the economic and financial environment,the market supply and demand environment,the policy and legal environment,the credit system environment to analyze; And then,according to the requirements of the external ecological environment,this paper further analyzed the basic services and intermediary function, the core resource allocation function, risk management functions and price information function in the rural financial development in Inner Mongolia; And the paper discovered the problem and its causes by using the theoretical and empirical methods,And then this paper given the relevant policy recommendations from the aspect of the structural optimization and functional improvement.The innovation points of this paper mainly displays in the following two aspects:First, from the perspective of theoretical studies,this paper studied the connotation of the rural financial development based on functional perspective, and the Rural financial development is the rural financial structure optimization and the evolution and improvement of the rural financial functions. And its essential connotation is that the sustainable development of the rural financial development can contribute to the sustainable development of the rural economy, and ultimately can achieve the goal of the sustainable income of farmers and herdsmen.Second, from the perspective of a research framework, this article systematically used the idea of "functional concept", that is, starting from the analysis of external environment of the rural financial development in Inner Mongolia, and as the financial function’s demand raised by the external environment,this paper specifically analyzed the effect of rural finance function in Inner Mongolia combined with the actual situation.At last,this paper put forward the policy recommendations of the financial structure optimization.