Yantai Rural Financial Service Optimization Research

In general, the rural finance mainly in view of the financial activities in rural areas, since our country attaches great importance to the socialism new rural construction step by step, the development of modern agriculture faster and faster, the financial industry also gradually play a more and more important role. For modern agriculture, how to better use of the rural financial environment to expand the strength of the economic growth, is the important way to solve the rural financial services. Although our country’s rural finance is no longer belong to the blank area, but the government needs to improve support rural financial policy is still in the stage, around the actual development situation is different, there are efforts to support agriculture co., LTD., formal financial institutions such as complicated loan approval, informal financial institutions risk problem. In addition, the rural financial development relatively late, there is no financial relatively mature development mechanism, belong to the soft rib of the nation’s financial system. So, the current our country’s rural financial reform has a long way, must constantly improve financial services cover. Based on yantai rural finance as the research object, through various channels to collect large amounts of data and sorting the yantai rural financial case, combined with the rural cooperative financial organization theory, rural financial market theory, imperfect competition theory, such as academic theory, systematically studies the current situation of the development of rural economic development, rural finance of yantai, and the demand and supply situation of rural financial services. At the same time, from the rural financial situation of yantai, specific analysis of the supply of financial services contradictions, the United States, Japan, Bangladesh experience and enlightenment of the construction of rural financial services, and finally, proposes Suggestions to perfect the rural financial service in yantai, in order to properly handle the various difficulties and problems of the rural finance, promote the development of rural modernization.Throughout many of the rural financial theory research in China, although there is a strong academic value, but not many research on optimizing the rural financial service in yantai. So, in this paper, the biggest innovation is the combination of yantai city rural financial truth, respectively from the credit system construction, financial environment construction, service innovation, financial institutions to foster and loan financing, put forward a series of specific Suggestions on the reform and development, such as, strengthen the agricultural insurance system, improve the rural risk compensation mechanism, perfecting the financial ecological environment, cultivate mature county financial institutions, etc., for the healthy development of rural finance in yantai has certain reference value and practical significance.