The Rural Financial Market Problems And Countermeasures Research In Anhui Province

Agriculture, farmers and rural problems, also known as "three rural problems", is one of the important conditions related to the economy integrated development of our country, is also a fundamental issue related to the comprehensive construction of well-off society and modernization progress. It can’t be depart from the rural finance support to solve the "three rural problems". Which depends on the fund support of rural financial market no matter in terms of the rural infrastructure construction, expanding agriculture re-production, or transforming and upgrading of agricultural industrialization, etc, Especially be along with the socialist new rural construction pushing and in-depth development of rural economic activities. Therefore, how to maximize giving play to the rural financial role to deal with the "three rural problems" is very important.Anhui province is one of the famous agriculture provinces in our country, the agricultural industry plays an important role in the whole economic structure. In recent years, with the rising and developing of the secondary industry and the tertiary industry, the speed of structure modulating in Anhui rural industry has been accelerated, also the rural economy has got rapid development, Then how to promote agricultural development, increase farmers’ income, improve farmers’ living standard, realize the sustainable development of society have been the government’s most urgent task currently.Also serving as the birthplace of rural reform, Anhui province has made significant achievement in the comprehensive development of rural economy. Look back at Anhui rural reform process, it has made stage progress, especially the rural financial system reform which is beginning from the comprehensive reform of Anhui rural credit cooperatives in 2003. Anhui rural financial market has been a market system and basically meet the rural financial service demand, which takes the formal rural financial institutions as leading position, other new type of rural financial institutions as complement, including policy bank(Agricultural Development Bank of China), commercial bank(Agricultural Bank of China, Postal Saving Bank of China), cooperative financial institutions(rural credit cooperatives, etc.),It plays an important role in promoting rural economic development. But due to the agriculture weakness, the great changes in rural financial demand, the function lack of the rural financial supply main body and the rural financial system imperfect and so on, Anhui rural financial supply can not meet the constant changing and growing of rural financial demand. There are many deep-seated problems which have not been solved in Anhui rural financial market, such as the serious outflow of rural capital, the farmers’ loan difficulty caused by credit management system defect, the serious rural financial suppression phenomenon, the backward financial regulatory system, the needing improvement of rural financial ecological environment and the lack of effective agricultural risk compensation mechanism, etc. To a great extent, these problems are not only bad for healthy development of rural economy, but also delaying the socialism new rural construction step.Firstly this article gets the writing ideas and research methods from collecting and reviewing related research literatures about the rural financial development from domestic and foreign; Secondly, analyses the current situation of the rural financial development in Anhui province from demand and supply, The demand aspect mainly analyses the change of the main financial demand main body in rural and the capital demand characteristics. The supply aspect mainly analyses the main capital-supply channels of the current rural finance; Then analyzes the problems existing in the development of the rural financial market in Anhui province and the related factors deeply; Finally provides some countermeasures and suggestions on how to accelerate the development of rural financial market in Anhui province from establishing an effective and competitive rural financial system, strengthening the innovation of financial products and services, establishing a multi-level rural financial supervising system, promoting the agricultural insurance development and rural financial ecological environment construction actively and so on.