Optimization Research Of Rural Financial Service In Qingdao

China is a large agricultural country, in recent years, the government is paying more attentionto the "three rural issues" problem.Rural finance is the core of the modern rural economy,is apowerful motive force to promote agricultural increase production, farmer income and ruraleconomic development.Rural finance play a very important role in the modern rural economicdevelopment.But in the process of economic development, our country focus on the developmentof city area and neglect of the rural,the development of rural finance has been stagnant, thefinancial service level is low, the financial service system is not perfect,It has seriously hamperedthe healthy development of rural economy.In order to solve the problem of rural finance,we usedyears of development, has formed a multi-level, wide coverage, sustainable rural financial system,completed the most rural areas of the financial service coverage.But compared to the city finance,rural finance is still the weak link in China’s financial system, there are many problems.To solvethe existing problems of rural financial services, optimization of the rural financial service system,has the important meaning to the development of the rural economy.The rural finance in Qingdao area as the main object of study, Based on the theory offinancial development, financial supply and demand theory and the rural financial theory. Thispaper has analyzed the present situation of rural financial services in Qingdao area,and pointedout the main problems existing in the rural financial service system in Qingdao area from threeaspects of resource and environment, financial support and management system.The problems inthe resource environment are mainly financial resources insufficient investment, less credit funds,mortgage guarantee difficulty, folk financing risks etc;The problems in the financial support ofmajor financial institutions network covering insufficiency, financial innovation is insufficient,folk lending hidden risks and other issues;The problems in the system of administration are mainlythe tax system has restricted the development.The article also draws on the successful experienceon the rural financial service system construction in developed countries and developing countries.Based on above situation and problem analysis and foreign experience, combined with the actualsituation of the rural financial development in Qingdao, to adhere to the guide, to suit one’s measures to local conditions, adhere to a reasonable division of labor and the controllable risk,adhere to market-oriented and government support for combining the principles, This paper putforward optimization measures of rural financial service in Qingdao city.Finally, from threeaspects of the construction of the credit system, financial environment construction and serviceinnovation of construction,The paper given the detailed measures to optimize the rural financialservice system in Qingdao city.At present the rural financial problems have been extensively studied, but the rural financialsystem in Qingdao area are few research achievements.Therefore, the innovation of this paper isanalyzed the shortcomings of the current rural financial development and rural financial servicesystem,optimized the rural financial system in Qingdao and put forward the feasible suggestion, Ithas great research significance and application value.