Risk Rrevention Of New Rural Financial Institution In The Urban And Rural Integration

UUrban and rural integration development is the significant development strategy in the new century. It is also the basic idea of shortening the gap between urban and rural places and solving the "three rural" problems. In the process of urban and rural integration, infrastructure construction in the rural areas needs abundant financial input and a full range of finance services. As a new emerging force in rural financial system, new rural financial institutions play a very important role in industry convergence, and rural and urban integration. Because of some shortcomings about internal strength and external supervision, new rural financial institutions have many potential risks.Based on the research of the new rural financial institutions at home and abroad, and the theories of financial development right, financial risk, and sustainable development, using comparative, normative and empirical approach, in combination with background of the urban-rural integration, and the relationship between urban and rural integration and new rural financial institutions, we analyze of the necessity, the development situation, and the problems of risk prevention of new rural financial institutions, draw on the experience of foreign rural financial risk prevention, and put forward risk prevention system and safeguard mechanism in China.In this paper, we mainly study the following aspects. The first part is theoretical research, including the development background of urban and rural integration, risk prevention theory, the promotion of urban and rural integration for new rural financial institutions. The second part is actuality analysis, starting from the present situation of risk types the forming cause and prevention of new rural financial institutions, and analyzing the existing problems combined with concrete example. The third part is foreign experience for reference, analyzing the risk prevention system of rural financial institutions in United States, Britain, Japan, India, and summarizing the advanced experience. The fourth part is system construction from the aspects of the value system, the main body system, market system, the financial ecological environment system, differential regulation system according to the existing problems. The fifth part is mechanism structure on risk prevention, aiming at establishing funds and agriculture industrialization mechanism safeguard, and analyzing development priority and degree grasp of all kinds of new rural financial institutions from the aspects of risk sharing, talents cultivation, multiple cooperative governance mechanism, and dispute resolution.In this paper, we establish a relatively complete and systematic institution guarantee system for risk prevention of new rural financial institutions. Under this system, a comparatively perfect mechanism for operation guarantee and sustainable development is established. The aim of this paper is to promote risk prevention validity of new rural financial institutions, and improve supply efficiency of rural financial service in order to guarantee farmers’ financial development right,and rural finance development safety.