Rural Financial System Research Under Socialism Construction Of New Countryside Background

Our country as large agricultural nation, agriculture the development ofdevelopment to national general economy important function, but the rural finance isalso the agricultural development essential link.The agriculture is the weak trendindustry, has the investment cycle long, the risk high, the income compared to the lowstatus insufficiency, this causes the rural finance market to lack liveness directly,simultaneously has also created the rural finance market fund supplies seriouslyinsufficient. Rural financial market development lags behind restricting the process ofbuilding a new socialist countryside and promoting the sustainable development ofagriculture. In the process of development of market economy, finance determines thespeed and efficiency of economic development, when the role of finance is limited,economic growth will be faced with insufficient capital investment, and financialresources to inefficient configurations and other issues.The socialism new ruralreconstruction is different with in the general sense the village construction, but is oneomni-directional comprehensive construction, it has covered the rural economy,politics, the culture and the society and so on is various.In the process of building anew Socialist countryside in China, refers to all rural savings of rural finance,hospitality, finance and risk reduction, as well as related guidelines and systems, iscentral to rural economic growth and development. Under the background of buildinga new Socialist countryside, reform and innovation of rural financial system in Chinaneeds, so as to better display function of rural financial support to agriculture, meetthe growing demand of rural finance.This article takes the rural finance as well as the correlation theories of socialismconstruction of mew countryside as the guidance, uses qualitative, the analysismethod of quota to launch the research, discussed the current development of ourcountry rural financial system with facing emphatically the issue, and in light of US,German and Japanese three typical countries the development experience of rural financial system, for the rural financial system reform and innovation under Ourcountry main construction of mew countryside background provided the method andcountermeasure.This article second chapter explained rural finance concept and ourcountry rural finance and relations of socialism construction of mew countryside,through the analysis rural finance and conjunction point of socialism construction ofmew countryside, by this showed that the socialism construction of mew countrysidecannot leave the support of rural finance.Chapter III analyses the United States, andGermany, and Japan three typical rural financial institutions, by studying theexperience of rural financial development in these countries, in order to provideuseful reference for the development of rural financial system in China.Fourth chapter(divides into countryside official finance organization and countryside unofficialfinance organization) from the rural finance system and the rural finance legal regimetwo aspects launches the analysis, in which countryside official finance organizationtake the agricultural bank, the agricultural development bank, the credit society as theexample, the countryside unofficial finance organization lends money, the mutualeconomic assistance organization, the illegal money shop and the underground banktake the folk as the model, analyzed the rural finance system development presentsituation. Finally, in second, third and fourth chapters of foundations, this article fifthchapter proposed, the reform and innovation of our country rural financial system,need from four aspects: First, the innovation of rural financial institution system, isdivided into the restructuring rural cooperative financial system, the innovation ruralarea commercial financial system, the innovation policy financial system, the standardand guides the unofficial finance. Second, the innovation of rural finance marketsystem, is divided into the construction onset and retreat flexible competitive marketsystem, speeds up the interest rates liberalization reform, establishes the agriculturalinsurance market system. Third, the innovation of peasant household financing system,is divided into development commercial small-loan of improvement financialinstitution financing method and to the peasant household. Fourth, the innovation ofrural finance legal system, is divided into the improvement rural finance legal framework, confirmed the rural finance multi-dimensional main body using law, thepromotion effective competition, the supervision and management of perfect ruralfinance.