Research On The Problems And Countermeasures Of The Rural Financial Services Of Yi Yang City

Since China’s reform and opening up, especially the accession to the WTO, the national economy has achieved rapid development, people’s living standards are higher, but at the same time, as a traditional agricultural country, the problems of agricultural rural area and peasantry became to be apparent, the equality between urban and rural economic development is losing, issues concerning agriculture,countryside,and farmers have been a priority of government work, since 1982 to 2014, issues concerning agriculture, countryside and farmers have appeared 16 times in the NO.1 document,which shows a great importance the national government has attached to. Integration of urban and rural economic development is the key way to the issues concerning agriculture, countryside, and farmers, the rural financial service plays an important role in the rural economic development. As the process of Chinese urbanization speeding up, the development speed of rural finance in China is very slow, and a variety of problems appears in the rural financial market, seriously restricting the health and fast development of China’s agricultural economy. Learning the experiences of domestic and foreign rural financial development, combined with china’s situation of rural finance to find ways to those problems discussed above, so to establish a more comprehensive rural financial market system is the content of this paper. This paper has briefly introduced the research background, comprehensively elaborated the domestic and foreign research on the rural finance, defined the conception of the rural finance and introduced the related theories on rural finance. Taking Yi yang city of Hunan province as an example, analyzing the current situation of its rural financial development, some problems have been found:The absence of the subject of rural financial, the shortage of rural financial services, the gap between rural financial demand and rural financial supply is big, the urgent need to improve the rural financial ecological environment, the risk control abilities of rural financial institution should be improved etc. Analyzing the deep reason of the problems above from the aspect of historical, practical, objective and subjective, referring to the Researching findings and practical experiences, combing with the situation of Chinese rural financial,This paper has put forward some strategies:Deepen the rural financial reform, constantly enhance the vitality of rural financial competition,innovate the rural financial service products and tools to meet the diverse rural financial demands, strengthen the cooperation between banks and government, continue to explore new patterns of financial support for agriculture, actively strive for political supports, increase the rural financial funds to meet the rural financial demands, strengthen risk management and control capabilities to enhance and promote the healthy development of financial institutions.