The Rural Financial Service System In Hefei Development Present Situation And Problems Countermeasures

With the continuous development of rural financial institutions in hefei and the continuous improvement of the financial market, rural finance in the beautiful countryside construction and the development of agriculture and rural areas play an important role in the process, especially the rapid growth of the rural financial assets and actively promote the development of rural economy. In our city actively promoted the rural construction in the process, the traditional mode of production is facing serious challenges, need to make a major economic development structure adjustment, this depends on a lot of capital accumulation and investment, cannot leave the financial support. At present, the our city farmers money demand or more difficult from the formal financial channels to be satisfied, farmers in the formal financial institutions deposit number is greater than the loans obtained, net provider of capital. So, objectively, the city's rural economic development has a serious need for financial support, but the reality is not only can not get the financial support of rural economic development, has become a net provider of funds. As a provincial capital in central city, hefeiand four counties and one city of villages and towns due to financial supply lag, the influence of the high cost of financing a series of factors, financial support for economic development also obviously lag behind the needs of economic development, this is an urgent task.The full text is divided into five parts. First chapter is the introduction, the selected topic background and significance of metasomatism, emphasizes the rising with the development of hefei and modern agricultural development strategy implementation, fully the necessity of the development of the rural financial service system. The second chapter is the theoretical basis, research meaning and function of rural financial service system, based on financial services is one of the goods, also, from the perspective of the economics of supply and demand theory analysis. The third chapter analyses the rural financial service system construction in hefei development present situation, from the overall summary, all kinds of banking institutions, the local financial organization, analysis of poverty alleviation funds support, etc. The new rural construction, beautiful countryside construction in hefei rural financial service system in rural economic development of the present, and construct the model of supply and demand. The fourth chapter analyzes the hefei rural financial service system of the main problems existing in the construction and development, including the ability to support the development of the county economy is not strong, underpowered rural financial supply, effective demand shortage in rural finance, rural financial instruments and financial products, such as a single problem. Fifth chapter combining rural cooperative financial institutions reform, development prospect of mutual financial, credit cooperatives to the village and town bank change in hefei and inspiration and so on analysis of the current situation of the rural financial service system innovation and development, this paper suggested to promote the development of rural financial service system in hefei, including establish and improve rural financial service system in hefei, perfecting the policy level support, to promote small loan guarantee insurance pilot work in hefei, innovation in rural financial products and services, etc.