A Study On The Construction Of Inclusive Financial System In Rural China

Rural finance play an important role on the development of rural economy,it plays a central position in capital allocation,is also a focal point of "three rural problems".More than 30 years of reform and opening-up,our country countryside appearance has made tremendous social and economic development,rural finance is to go on in the twists and turns,but despite the age in change,the economic development of the hot spots are also constantly updated,but the agriculture,countryside and peasant problem has always been the backbone of China's economic development.As an agricultural country,China's rural financial system has been the weak link of economic development,quite a number of low-income people can't enjoy the rural formal rural financial services,while the financial consciousness is weak,farmers financial institutions due to reasons such as the profit model of rural financial power,and rural financial policy implementation does not reach the designated position,all these lead to the rural financial development process is slow and uneven.Construction of rural financial system reform and innovation,science and the balanced development of rural financial system,is our country one of the focuses of the government and academia are hot spots.The word " Inclusive financial" put forward by the United Nations in 2005 microfinance first,it follows the principle of equality and development,put forward construct a low-income groups in rural areas,rural universality for the sustainable development of the financial system,to make this part of the group can also enjoy the dividends of economic and social development.In 2016 the central file no.1 also rises again to push more benefits to the rural financial resources,and establish a broad and sustainable rural Inclusive financial system.Therefore,the development of rural Inclusive financial is the new normal construction of rural financial system,the basic requirement of perfecting rural financial service.Based on the domestic and foreign researchers to Inclusive financial system basic summarized the achievements of theory and practice,and from the supply and demand and the policy environment in the face of China's rural Inclusive analyses described the current situation of the financial system,and to our country rural Inclusive sorted out the problems existing in the financial system,including the financial system lack of breadth and depth,financial services,lack of ability of sustainable development,the lack of policy support and assurance of the law three aspects.Finally from the demand,supply and policy coordination and legal point of view of rural Inclusive financial system construction are proposed.