Study On Taizhou New Rural Financial Organization Sustainable Development

Rural financial problem is a worthy of careful study and repeated problem. How the seriousinformation constraints and mortgage under the constraint of building up efficient rural financialsystem, promote rural financial deepening? Foreign practice and experience are worth to drawlessons from, our country also began new exploration. As new rural financial organization and theemergence of pilot work continued to advance, there is a new problem: they can achievecommercial pursuit and support the coordination of contradictions? Business development issustainable? In our country, some rural areas appear to rely on the folk strength spontaneouslyorganized a small financial organization survival situation how? How to standardize and guide? Toanswer these questions, need from the theoretical and practical level comparison of new types ofrural financial organizations as well as the actual effect, and on this basis put forward the feasibledevelopment train of thought, for the construction of rural financial system to provide a newperspective of the policy choice.This paper first is the background and the significance, the definition of related concepts andresearch ideas and methods. Then it introduces three kinds of theoretical schools of rural financialmarket and the theory of information asymmetry, scholars and experts on finance and ruralfinancial organizations research results and a brief evaluation. Review in theory and on the basis ofthe literature review, this article on Taizhou new rural financial organization development ofcombing, respectively, village banks, loan company, rural mutual cooperatives, poverty alleviationfunds mutual aid association and the folk spontaneous micro finance organization, five kinds ofnew type rural financial organization establishment, source and use of funds, risk status andanalysis, and grasp the development mode and the main effect. Then, comparative analysis ofvarious types of Taizhou new rural financial sustainable development of external and internalfactors, external factors including approval departments, laws and regulations, supervision, supportpolicies, internal factors including market orientation, capital structure, risk control, operating cost,think way of security to guarantee, loan to small, short-term is the common rules of survival, butthey have their own advantages and disadvantages, and then draw in the rural economy of the ruralcooperative financial organization has the advantages of low cost, high yield characteristics,management should be in the rural financial system play basic role. Finally for the countermeasureproposal, want to realize rural financial organizations can develop continuously in the round, bothin microcosmic on strengthening external policy support, improve the internal mechanism design,but also in the macro thinking on upholding tolerance and development principles, to lower thesocial cost and the social loss to promote multiple property right, competition is sufficient, multi-level, multi agent the construction of the rural financial system.