Financial Policy Tools For Rural Revitalization:Status Quo, Problems And Reform Strategies

The issue of agriculture,rural areas and farmers is essential for political stability,economic growth and social harmony in China.At present,China has entered a new era of rural governance and development.The shortage of people and money in rural areas is not only concerned with the present situation of rural areas,but also the important problem to be solved in the strategy of rural revitalization.Nowadays the overall scale of the rural financial market is too small to support the implementation of rural revitalization,the willingness of rural financial institutions to expand the market is not strong,the capacity of policy-oriented financial supply is weak,and the supply types and channels of financial products are unitary.The development of information technology is backward,and the problem of offside and absence of financial supervision is prominent.Based on this,this paper focuses on the financial policy tools to serve the rural revitalization and countermeasures are analyzed.Firstly,this paper will present the characteristics and concepts of rural financial serving rural revitalization in China and sums up its basic situation in terms of starting implementation environment,rural financing credit demand,diversification of financial service products and so on.The following section will indicate the main issues in the process financial policy instrument and attempt to analyze the impacts of Mechanism of Financial Policy tools on supporting Rural Revitalization in terms of the top-level design of the theoretical and practical logic,the connection of land,capital and institution,the relationship among power,subject and security.Finally,the paper will present methods of improvement of financial policy tools in supporting rural revitalization.In order to solve these problems in the process of financial policy tools in supporting rural revitalization,this research will present the effective mechanism and strategy according to financial policy institution,the creation between policies and financial technology,the financial risk prevention mechanism.These mainly includes that promoting the transformation of government functions to promote the clarity of property rights,perfecting the rural financial organization system,perfecting the product design system of financial policy tools and the construction of rural credit system,strengthening the support of policy tools,optimizing the scientific and technological environment of financial services,and improving the scientific and technological environment of financial services.Integrating inclusive organizational structure,perfecting inclusive management system and deepening inclusive financial innovation,strengthening credit incentive and improving financial information sharing mechanism,establishing rural financial risk aversion mechanism and improving rural financial system related laws and regulations,and so on.