Research On The Development Of Rural Financial Services In China

Although China is a great agricultural country,the rural economics of China is well underdeveloped and unbalanced.Three Rural issues have always been the focus of national economic construction conferences in recent years.With the deepening of modernization.The development of rural economics will rely more on the core of modern economy——Finance,and provides services for the new rural communities constrution.Since the 21 st century,the government has led many financial reforms and made achievements in rural financial reform.However,with the further deepening of the reform,the problems and contradictions of the rural economics are increasingly apparent.The rural credit cooperatives have also been affected and reorganized.So far,the development of new-type rural financial institutions has made rapid progress but also been controlled.This author analyzes the rural financial service and the reform of rural credit cooperatives comprehensively and deeply based on detailed investigation and study.Starting with the theories of financial inhibition,financial service,guarantee and cooperative financial,the author reaches a decision: The rural credit cooperatives have difficulties in operation innovation,market requirement,operation principle,work style,internal controls,corporate governance,etc.It's in urgent need of reform.The rural financial service faces a strong impact under the influence of external market conditions.With the reform of the rural credit cooperative,The Rural Agriculture Bank of China plays a positive role in agriculture,rural finance,service for farmers.But due to the profitability of commercial banks,there is a tendency that the support for rural economic development is weakening.The thesis will make a SWOT analysis of rural financial service and compare rural commercial bank business structure,guarantee system,financial products and services,staff literacy,equipment condition,operation strategy,market positioning service concept before and after the reform of rural credit cooperatives.The thesis will show the essence that Chinese rural financial market has been weakened through theory and practice.Then,the thesis will combine how to develop rural financial service guarantee system bring forward some measures and advises.