Research On The Development Of New Rural Financial Organizations In China

Our country is a traditional agricultural country,until today,the rural population still occupies more than 40%of the total population.The rural economy is very uneven levels of development not low enough,low farmer income,agriculture cannot achieve rapid growth,which is probably the situation APC problem.It is highly concerned about rural issues at all levels of government.One of the key reasons so far unable to effectively solve the "three rural" issue,however,is not sufficiently developed rural areas,rural finance,and development level is not high.Of the rural banks,small loan companies and rural credit union funds,which are a new type of financial institutions in rural areas,in large ways to expand financial services in rural areas to help rural areas to better meet the strong financial needs,but also largely alleviated relatively low in these areas of financial services coverage?Especially in rural areas for a long time cannot meet the strong demand for microcredit,and said the new financial institutions,including village banks,can ease this embarrassing predicament at a certain level.The article first describes the background,research ideas and research significance of the new rural financial institutions.Secondly,elaborated the domestic in this survey,analysis of the development in these areas and the process of change,and points out that it is the only way which must be passed to deepen rural financial reform,the definition of the three and the theory of this study.On this basis,summarizes the development course of China's new rural financial institutions,the new rural financial institutions for the corresponding classification,pointed out the characteristic of its present situation and achievements of the new rural financial institutions,such as clarifying the structure of property rights,governance structure and perfect business target.But in the course of the study,found that many domestic problems faced in this area,such as China does not have a perfect system of organization,financing difficulties in this regard,the lack of development,by the macro financial policy influence,relevant departments of policy brought huge impact,identity development is slower and more awkward,the farmers union funds the identity of vague,and small loan companies do not have the financial license.On this basis,a comprehensive overview of foreign experience in the construction of rural financial system,such as the United States rural financial system and Japan's rural financial system to build specific practices.The foreign in the development of rural financial institutions,such as South Korea develop rural cooperative financial institutions,Indonesia's unique micro credit model,to provide a good reference for the development of China's new rural financial institutions.Through the above research,detailed analysis of factors influencing,discusses the countermeasures and suggestions to improve this aspect,must strictly carry out compliance management,strengthen the organization construction,not only to adjust the management mechanism,strengthen the organization construction,but also to do a good market position,falling agricultural affordable requirements;secondly to improve the financial regulatory system,effectively avoid the risk of financial market,to build a multi-level financial supervision system,steadily opening up interest rates,which is consistent with the market interest rates and perfect credit rating mechanism;third is the full reference to the practices of other countries and mode,such as China can establish a diversified rural financial system,government departments should take many measures,growth and development of new rural financial helping institutions,new rural financial institutions to provide preferential and construction for agriculture related financial products and services Agricultural insurance law with Chinese characteristics and insurance system.In addition to vigorously increase financing channels,crack financing problems,such as multi way financing,solve rural bank Xichu problem,increase financing means,to ensure the continuous source of funds and provide guarantee for Rural Mutual cooperatives to obtain a stable source of funding.In the last part,it summarizes the full text.In the process of steadily promoting the reform of rural financial system in China,a large number of new rural financial institutions have met the needs of farmers and small and medium-sized rural enterprises to a certain extent.However,we must realize clearly that they are faced with many constraints,restrictions and influences in the development process.Therefore,to accurately analyze their causes and the different consequences.On this basis,take a variety of effective measures to better promote the development and growth of new rural financial institutions.