Countermeasure Study On Improving The Rural Financial Service System

Agriculture is the first industry.Many people and little land is the biggest reality of our country agriculture Trend of urban and rural economy becomes more and more obvious, and farmers and urban residents of the income gap is widening.These unfavorable factors will further hinder the "three rural" transformation to the benign direction.The rural financial service system is different from the city financial service system, has its particularity.Improving the rural financial service system is conducive to better promote the development of rural economy.And as a traditional agricultural county,He county is an important vegetable planting base, known as the "garden of Nanjing city",The development of rural financial service system with strong local characteristics, and have independent financial institutions Xinhua Village Banks and rural cooperative group.This paper from the county economy of Anhui province and county, taking He county as an example, according to the local farmers and rural enterprises in the investigation and study, make analysis report and data,and prepare as the raw material.First, from the general situation of county agriculture, the county is slower than the GDP through the analysis of the farmers’ income growth rate of growth rate.Through the analysis of county rural financial services supply and demand, the author found that the characteristics of the.system."The loan is difficult and expensive and " is in terms of important characteristics of the supply of rural financial services.The rural financial suppiy is not adequate to the rural financial demand, which is leading to higher lending rate.The farmers is lacking of collateral necessary, farmers loans is difficult Borrowing to make up for the lack of formal finance, become an important channel and informal financial service system.As a financial institution with independent legal person qualification of the Xinhua Village Banks, the banks and the county farmers cooperative group play actively innovation, create the mode of rural financial innovation. Through the analysis of the service demand of rural finance and the county, the author draws the households’ financial demand desire is strong, but the amount of financing demand is small, showing a diversification trend.Because the county rural insurance system is not perfect, leading to household savings for pension.To improving the rural financial service system, we need analysis of this special group of migrant workers.Facing the characteristics of contemporary migrant workers the diversification of consumption, He county actively provide in accordance with local migrant workers demand for financial services.The county is the vegetable planting large county, the signing of the supermarket in Jiangsu province "agriculture supermarket docking" is one of the important characteristics of the county rural financial service system.Syndrome of financial services in rural areas and the contradiction between supply and demand, the author analyzed its reasons."two yuan economic" mechanism, the reform of the state-owned banks is slow. We do litter in rural areas. rural insurance system is not perfect and the rural financial service policy implementation is not in place.Syndrome of county rural financial supply and demand contradiction, the author state from the foreign experience, suggestions and Countermeasures of system and the local Countermeasures.Improving the rural financial service system should have an independent fund operation channel, a legal system of strong backing, to lean more flexible rate system and monetary policy and fiscal policy.Combined with the actual needs and the local, rural finance also need to increase the agricultural industrialization support, increase spending on agriculture ecological tourism and support, according to the actual situation of the innovation of guarantee system of farmers.Facing the impact of mobile Internet, the rural financial services should do a good job in financial products innovation and services. innovation.This paper researches on the rural financial service system, hope to make some contribution to the rural financial service system of He county, promoting the development of rural economy.