Research On The Development Of Financial Institutions In Shouyang County

The "Agriculture, rural areas and farmers" work has always been the top priority of the work of the party and the country, rural financial institutions as the main force of rural finance, the county's agricultural economy plays an important role in the development. Shouyang County, such as the tradition of coal enterprises as the pillar of resources in the county, in the industrial restructuring and transformation, the development of agricultural economy plays an increasingly important role. Rural financial institutions as the main force of rural finance for the development of agricultural economy to get through the financing channels for the development of agricultural economy into the running water; improve Pratt & Whitney finance for the development of agricultural economy to improve efficiency; dissemination of advanced concepts for the development of agricultural economy Pulse; all-round help the development of agricultural economy.While rural financial institutions have a long history, a large system, wide coverage, many personnel and other advantages, in the county agricultural economic development in the influence of a huge historical burden is heavy, the development of backward, asset quality is relatively weak, anti-risk ability Poor and other issues in the fierce competition in the financial more and more apparent. Based on the investigation of the present situation of Shouyang County's rural institutions and the development of agricultural economy in Shouyang County, this paper finds out that there are some problems in the rural financial institutions in Shouyang County, such as the following problems:The development of rural financial institutions is difficult; the agricultural economy of the county alone, leading to the concentration of rural financial institutions business pressure; credit environment to improve the difficulties, leading to increased risk of rural financial institutions; administrative intervention is higher, leading to the development of rural financial institutions are tied; Product backwardness, leading to slow progress in the development of rural financial institutions. On the basis of this, the following countermeasures and suggestions are put forward: perfect relevant incentive policies, build superiority external environment; perfect the rural financial institution system, continuously inspire endogenous motive force; guide and improve the rural financial ecological environment, establish good financial order; Insurance system, the establishment of risk transfer mechanism; adhere to serve the "three rural" market positioning, innovative financial products and services.In this paper, the following conclusions are drawn:1. Rural financial institutions play an important role in promoting the development of agricultural economy and take necessary measures to promote the development of rural financial institutions in an all-round way. This will help solve the problem of insufficient funds for agricultural economic development and the risks of rural financial institutions, Therefore, we must improve the rural financial ecological environment through various measures, perfect the guarantee system and agricultural insurance system, and further liberate the development motive force of rural financial institutions.2, to continue to play the rural credit cooperatives (rural commercial banks) in the process of promoting the development of agricultural economy the main force of the financial role of innovative rural financial products, improve the level of financial services to achieve the purpose of precision to support the development of agricultural economy.