The Study Of The Regulation Of The New Type Of Rural Financial Institutions

The promotion of the development of rural finance has become the focus of our country,which is mentioned in the report of the Chinese government in the 18th National Congress.That is the policy to achieve the goal of the well-off society.It is clearly pointed out that our government will brighten the development of China's financial system,promote financial innovation,and put forward the system of financial regulation,which ensures a stable development of financial economy development.Obviously,the government puts emphasis on improving rural people's living fully,and the essence of the rural financial reform is to provide better financial services for rural people.The emergence of a new type of rural financial institution has become an important means of improving our country's current rural financial market,which is highly regarded by the government departments.What' s more,the new type of rural financial institutions mainly has oriented remote rural areas,and small and medium-sized enterprises and farmers locally,providing funds for rural economic development to meet the basic needs of the modern rural financial development.However,China's current rural financial finds it difficulty to supply rural small and medium-sized enterprises,so farmers cannot effectively satisfy their own funding gap,therefore,the government should pay more attention to the rural financial regulation.On the whole,the implement of regulation management has been regarded as the key task among all tasks of the new type of rural financial institutions in order to further improve the existing village financial system,which rapidly promotes the development of the domestic rural economic process and realizes our agricultural economic prosperity.In the meanwhile,it is also a good chance to develop the rural economic situation of our country.This paper mainly analyzes and researches the current situation and the existing problems of the development of the new rural financial institutions in China.Based on these,the paper has further dissected the imperfection of the new rural financial institutions,that is,imperfection of the regulations,unsound external regulatory system,market disorder and difficult supervision.There are four main reasons for these.The legislative level is so low that it is not powerful to operate it.The aim of regulation has broken away from the aim at supplying farmers.Moreover,the contents of the regulation is not concrete.The paper refers to the advanced experience and revelation of the rural financial system in Germany,the United States and Japan,and combines with the current development of the new rural financial institutions of our country.On the basis of the theory of rural financial market,inclusive finance,cooperative finance,relationship between government and market and government regulation and other related theories,the paper puts forward some countermeasures to perfect the new type of rural financial institutions of government regulation.First,improve relevant rules,laws and regulations.Second,promote the related regulation system of government.Third,strengthen the targets of regulation.Finally,regulate the contents of new rural financial institutions.