Research On The Difficulties And Measures Of Rural Cooperative Financial Development In China Based On The Game Theory

On February 1, 2015, the Several opinions on intensify the reform and innovation to speed up the construction of agricultural modernization is released. This is the 12 consecutive times that the central file no. 1 focused on the problems of "Three rural".The importance of "agriculture, rural areas and farmers" is obvious. As an agricultural country, if we can solve the "three rural issues" properly, it can laying a solid foundation for the rapid and healthy development of China’s economy. The shortage of funds is a bottleneck of solve the problem of "Three rural". The profitability of commercial Banks and the fund shortage of policy Banks, led to rely on commercial Banks and policy Banks is difficult to solve the rural capital supply shortages effectively. Practice at home and abroad shows Rural cooperative finance have unique advantages, such as low cost of transaction and it can solve the problem of information asymmetry, moral hazard effectively. So development of rural cooperative finance, establish and improve rural cooperative financial system is an effective way to solve the problem of rural funds shortage. But, although China has a long history of the development of rural cooperative finance, because of some problems existing in the development of rural cooperative finance, the rural cooperative finance has failed to give the full play. It also can’t the problem of funding needs of rural, especially vulnerable groups in rural areas.This paper based on the above background and rural cooperative finance in China as the research object. This paper base on existing research, and many research methods such as comparative static analysis, game theory analysis are applied. The rural cooperative finance can be divided into formal rural cooperative finance and informal rural cooperative finance. This paper analyzing the classification and current situation of the rural cooperative finance from the perspective of formal and informal rural cooperative finance, then through game analysis between farmers and the government, between formal rural cooperative financial organizations and farmers, between rich farmers and ordinary farmers, we found the trouble that exist in current country rural cooperative financial development. Finally puts forward several suggestions for rural cooperative finance out of develop dilemma and develop health and fast, such as, improve the rural financial ecological environment, develop the informal rural financial cooperation, establishment of rural financial service mediation, innovation the form of rural cooperative finance.