Research On The Reform Of Mechanism Of Rural Finance In Shaxian County

After decades of continuous efforts, China has achieved good results in terms of rural finance development. In particular, in2011the implementation of the rural financial reform pilot in Fujian Sanming sa represented, effectively led to the development of China’s rural finance has entered a new historical stage. In this paper, Sanming sa rural financial reform pilot for the study, the development process of combing ShaXian rural finance in recent years and the various reform measures, mainly to improve the rural financial organizations, innovative rural financial products and optimize rural financial services, will be summarized the "5432" project, which is created in the perfect financial organizations on the "five bodies," build "four bright spots" in the financial product innovation, to achieve the "three cover" on extending financial services to build on the financial environment "two platforms". After three years of painstaking reforms, sa rural finance and county economic development have made impressive achievements:financial organization system of continuous improvement, the number of agencies is increased, more complete type institutions, financial products and services, continuous innovation, fanners have financial awareness significantly enhance and expand rural credit scale, to better meet the credit needs of farmers and SMEs effectively, thus promoting economic and social Sa steady growth, a substantial increase in rural income, urban-rural gap narrowed to some extent.In the excellent results achieved at the same time, Sha County in rural financial reform process also encountered such as agriculture-related business less attractive to financial institutions, rural property mortgage financing difficult to break through barriers and other issues, which are to some extent hindered the rural finance further development of the existing agriculture-related businesses that inherent natural defects, but also hinder the cause of relevant policies and regulations. To break the bottleneck in the next rural financial reform process, to solve problems, we must take a realistic, market-based principles for the reform of the current policy to give part of the adjustment, in order to promote agriculture go "high, refined,"as the work focus on reducing agricultural business risk, enhance agriculture raw power within the organization, supplemented by improving rural financial ecological environment, weaken the adverse effects of administrative institutional mechanisms to bring rural financial development, in order to make the formation of "financial development and economic growth" good circulation.