Present Situation And Development Exploring Of Rural Credit Services

Rural credit services are concerned the financial intermediation services in rural areas. The development of rural credit services ralate to the rural economic development and the rural industrial restucturing. Better rural credit services will provide powerful support and motivation for rural economic development, and also promote the rural industrial restructuring. On the contrary, the underdeveloped rural credit services will hinder rural economic development and slow down the pace of rural industrial restructuring severely. Currently, the lack of principal part of credit supply result in the shortage of effective rural credit supply, which cause the disequilibrium of essential demand for credit of peasant farmers and rural enterprises; meanwhile, informal financial institutions cannot play a complementary role becouse of their operation and management irregularities; the new financial institution is at starting stage, and the System, the operation and the management needs to be further perfected. Along with the reform of the rural economy and the adjustment of rural industrial restructuring, it is urgent to solve the problem of rural economic development that how to improve rural credit services to boost the rural economic at full capacity.In this paper, from how to improve rural credit services, it investigates and studies current situation of rural financial supply in rural areas of China and Linyi City of Shandong province, and also analyzes the current status of rural credit,, the contradiction between supply and demand of rural credit. It carries out some exploration on how to reduce the difficulty of rural credit, how to cover the gap between supply and demand, and how to enhance the enthusiasm of financial institutions issued agricultural loans.The paper firstly introduces the background and significance, ideas and methods of the research to clear the overall framework of the paper. This paper take Linyi city of Shandong province as an example to analyze the current situation of development of the rural economy, and summarizes the current rural credit demand. In this paper, combined with the business data of main agriculture-related financial institutions in Linyi city were analyzed, which summed up the main problems of rural credit such as the defects in the rural credit supply system, the depravation of the contradiction between supply and demand because of outflow of rural funds, and the faultiness of rural credit service environment. For above issues, the paper puts forward suggestions on how to improve the rural credit environment to increase the supply of efficient rural credit, and how to retain funds in the rural areas as:clear cut the division of labour, improve the rural financial service system; establish the long-term mechanism of the flow of funds in rural areas to retain funds in the rural areas; improve the rural credit service environment, promote agricultural credit. In April20th this year, the general office of the State Council issued the<Several opinions on financial services for the " tri-agriculture " development>, which put forward to further enhance the ability and level of rural financial services, aquaire win-win development of rural finance and the " tri-agriculture ", provides a strong policy support for rural credit service improvement, the development of the rural economy is also facing new opportunities.