Study On The Problem Of Rural Financial Development In China

To deal with the development of the rural economy and increasing farmers’ incomeproblem is China’s social and economic development, building a harmonious society, and animportant guarantee to achieve "Chinese dream"。And the core of the rural economicdevelopment, increasing the income of farmers in the rural finance reform and development.In the construction of China’s modern financial system, rural finance in a more essential andimportant position. Perfect the rural finance is to solve the core security in recent years thecentral government attention to the "agriculture, countryside, farmer" problems. Therefore,with the thought and method of the new perspective, to explore the changes in design andmechanism of rural financial reform problems, it has a positive effect on narrowing theurban-rural income gap In the shortest time and increasing the income of the farmers, it alsohas the double contradiction of two yuan structure contributes to the two element structureand rural formal financial institutions to alleviate the city and countryside the rural financefaces and non formal financial institutions.This paper elaborates the research background, purpose and significance of the contentframework, research at home and abroad, the research methods and thesis on the topic, makesthe reasonable position.Secondly, introduces the relevant theory of financial development inrural areas. Analyzes the problem from the rural financial development theory, institutionalchange theory, rural financial market theory, and introduced the connotation andcharacteristics of rural financial market. Thirdly, introduces the current situation of Chineserural financial development, analyzes the new characteristics of Chinese rural finance, and thset an example of Yulin, and makes a empirical analysis, then analyses the status of ruralfinance in Yulin. Then, analyzes the problems faced in the development of rural finance inYulin. Taking an example for Yulin of Shaanxi Province, analyzes the serious problems inrural finance, and analyzes the absence of rural financial institutions in Yulin and the problemthat the rural financial market does not match the needs of financial ecological environment,and the backward of the environment of finance market, restricted the development of ruralfinance,and so on. Then, analyses the factors which restricts the development of rural financein Yulin. Analyse the restrict factors on the development of local rural financial in different points according to the current condition of Yulin’s rural financial.Then,learn from theexperience of the establishment of the rural financial system in foreign countries. Through thestudy, learn the successful experience from the United States, Japan and India, and drawsome relevant constructions, then absorb and learn it. Finally, in order to establish a financialsystem which is perfect to meet the rural economic development, the author puts forwardsome relevant policy suggestions based on the analysis of the current financial situation andcontradiction of rural problem of our country.This paper is based on the financial development theory as the guide, with financialsupport agriculture development as the object of study. It tell us should change the way ofthinking from the angle of deepening rural financial market. Suggestions for the healthydevelopment of rural finance。...