Research On Function And Market Orientation Of Rural Financial Institutions

The rural financial institution is an important part of our national economy, which plays an important role in the development of rural economy in China. But from the current development of rural financial institutions in China, there are still some problems, such as the function is not perfect, the market positioning is not clear and so on, these problems have seriously affected and hindered the healthy development of China’s rural finance and rural economy, but also has a huge impact on our national economy.Based on the research of the relevant financial theories, this paper expounds the problems existing in the function and market positioning of the rural financial institutions in China, and puts forward the policy, commercial and cooperative functions of rural financial institutions in the future, and then clear the market positioning of rural financial institutions in rural economic and social development.This paper think of China’s current rural financial institutions according to the policy requirements, agricultural large demand, agricultural small demand, agricultural miniature demand, farmers demand class five categories of market segmentation, need policy support entirely in the hands of service by the policy financial institutions, agricultural large demand can by Agricultural Bank and has a certain strength of the rural commercial bank financial services and agriculture in small demand can by rural commercial bank, postal savings and rural bank financial services, agricultural micro demand and the needs of farmers can by loan companies and rural fund cooperatives in financial services. After the market is broken down, not only can make the financial institutions to support the needs of the more professional, more detailed financial services, but also to prevent financial institutions in the vast rural areas of good efficiency, high growth potential demand for excessive competition, resulting in waste of resources. Through market segmentation, the economy in rural areas can be more balanced and more professional financial services.