A Primary Study On The New Rural Financial Institutions & Rural Credit Mode

Since the reform and development of the SOCB, commercial banks have gradually left from the rural market, which resulted in the contraction of the rural financial market and the insufficient of the credit supplies. With the relaxation of the rural financial institutions’ entering criterion in 2006, a number of new-type rural financial institutions have grown up. It will help solve the insufficience of the credit supplies and the incomplete competition situation of rural financial market. However, which loan model should the new-type rural financial institutions take for the development of themselves and the service for "agriculture, rural area, and farmer"? It is worth thinking about. After five years of development, Yilong Huimin village bank, as the first village bank in our country, has got a good in credit. And its successful experience is worth summarizing and advocating.Firstly, the thesis analyzed the development of credit for agriculture and pointed out the problem in its development. Secondly, based on the study of Yilong Huimin village bank’s development, the loan models and successful experience of it were investigated by case study. Thirdly, according to the new type rural financial institutions’development environment status and situation, financial needs of the rural area, and Yilong Huimin village bank’s successful experience, the loan modes of the new type rural financial institutions and the key links of its implementation were given out. Finally, on the basis of the new type rural financial institutions’running reality, it put forward a series of policies which may guarantee the implementation of the loan modes.In general, to achieve the sustainable development of new type rural financial institutions, the key is to launch a series of differentiated loan models to adapt to the rural economy and meet the diverse financial needs. And by then, it is possible for new type rural financial institutions to give capital support to the rural economic development and new rural construction.