The Research On The Agricultural Organization Of Production And The Construction Of Rural Financial Service System

Agriculture is the foundation of the national economy, and occupies the important position in national economy. China is a great agricultural nation in developing as well as populous country. Therefore, the rural economy’s status and role in development is more prominent. And the development of rural economy cannot leave the strong support of the rural financial service system. But currently, our country’s rural financial service system cannot fully adapt to the credit demand of rural economic development. This seriously affects the sustainable development of our rural economy.This dissertation is based on the demand and supply theory of economics and the production organization theory of management as the analysis method. First, this dissertation analyzes the rural financial service system and its basic problem, as well as the total agricultural credit structure and rural credit demand. Then, this dissertation analyzes the status of rural credit resources allocation among farming organizations including peasant households, agricultural producers’ cooperatives and agricultural production enterprises. Finally, this dissertation theoretically discusses economic reasons which cause the rural credit resources configuration differences among farming organizations. Analysis results show that, at present, our rural financial system not only can not meet the needs of rural economic development on the supply amount and varieties of products, but also the credit restrictions and constraints for peasant households and agricultural production cooperatives are particularly outstanding. To solve the current problem of rural financial loans should focus on peasant households and agricultural production cooperatives credit demand. Therefore, the key to the construction of rural financial service system is:(1) Increase the total amount of rural financial service supply;(2) Establish the rural financial service system which has rich layers, and financial institutions which specially serve peasant households and agricultural cooperative organizations;(3) Promote the innovation in rural financial services products, and then implement rural financial services products’ diversification;(4) Promote the construction of the rural credit system and credit environment, develop agricultural insurance, and build rural land financial system.