Research On The Countermeasures Of Rural Financial Development In Longjiang County

Rural finance is essentially an economic activity related to the circulation of rural monetary funds.From the perspective of new institutional economics,first of all,rural finance is a kind of transaction,which is the product of the division of labor and exchange of agricultural production;second,rural financial transaction has significant scale economic effect;third,rural finance is based on information,and the essence of transaction is that the transaction subject passes the counter transaction Finally,the external form of rural finance is the widespread circulation of rural funds.Therefore,the development goal of rural finance is to solve the problem of rural economic activities.With the acceleration of urbanization,the "three rural" issue has become an important shackle of China's economic slowdown.Compared with the city,the rural financial development is relatively slow.The key to promote rural economic development,increase agricultural production income and narrow the gap between urban and rural development is to steadily improve the level of disposable income of rural residents,in which the level of rural financial services needs to be improved.Therefore,based on the county development,it is of profound theoretical and practical significance to explore the current situation of rural financial development and analyze the problems existing in the development,so as to accurately put the direction of rural financial development in the future,and then take professional measures to strengthen the role of rural finance in supporting rural economic development.In view of this,this study takes Longjiang County as the research area,reads the research literature at home and abroad extensively,looks up the theory about rural financial development and defines the relevant concepts,conducts the field survey on 168 small farmers,102 professional large households(family farms)and 23 agricultural cooperatives under the jurisdiction of 14 townships(towns)in Longjiang County,and summarizes the existing problems of rural financial development in Longjiang County Finally,based on the practical experience of rural financial development in developed areas at home and abroad,the paper puts forward some policy suggestions to promote the healthy development of rural finance in Longjiang County.The main conclusions of this paper are as follows: first,there are great differences in the financial needs of various types of business entities.From the perspective of capital lending needs,the overall demand of farmers' professional cooperatives is higher,mainly because of the large scale of farmers' professional cooperatives,which makes the scope of funds more extensive;from the perspective of the difficulty of borrowing from financial institutions,farmers' professional cooperatives are more specialized Large business farmers > small farmers;in the process of lending to financial institutions,farmers' professional cooperatives have a strong ability to obtain loans,and the loan amount is relatively high;for business subjects who need financial assistance but do not apply for loans,small farmers and professional large households(family farms)are mainly unable to loan because there is no collateral,while farmers' professional cooperatives are mainly due to lending In terms of agricultural insurance demand,small farmers < professional large households(family farms)< farmer professional cooperatives.Second,from the current situation of rural financial supply in Longjiang County,the main body of rural financial supply in Longjiang County mainly includes policy financial institutions with Agricultural Development Bank of China as the sole supply body,commercial financial institutions with Agricultural Bank of China,postal savings bank of China,rural commercial bank,Yangguang agricultural mutual insurance company,small agricultural credit company,supply and marketing new agriculture New rural financial institutions mainly including the people's Association.Third,at present,there are four main problems in the rural financial development of Longjiang County: first,it is difficult to implement the supporting policies for rural financial development,including the difficulty in implementing the financial subsidy policies,the difficulty in obtaining the financial incentive policies,and the effect of tax preferential policies is not significant;second,the innovation and breakthrough ability of rural financial products is limited,including the lack of effective loan subjects,the lack of effective mortgage guarantee,etc The third is the slow development of new rural financial institutions,including the weak risk tolerance of micro credit companies,the high risk of large loans,the limited ability of rural mutual aid funds,and the narrow channels of fund sources;the fourth is the prominent contradiction between the supply and demand structure of rural finance,including the imperfect rural financial service system,the low bank credit lines of various commercial institutions,and agricultural insurance Insurance promotion is not in place.Fourth,from the practice of rural financial development at home and abroad,the rural financial development models of foreign developed countries,such as the United States,Japan and Germany,basically include three kinds,namely,policy based financial model,cooperative financial model and agricultural insurance model.Under various models,there is strong support from the government to ensure the smooth development of various businesses.From the development experience of domestic rural financial reform pilot areas,the re experience of rural financial system in Tiandong County,Guangxi Province,and the pilot experience of innovative credit supporting agriculture in Gongzhuling County,Jilin Province provide rich reference value for the rural financial development of Longjiang County.If Longjiang County wants to realize the stable development of rural finance and effectively support the development of all links and levels in the field of "agriculture,rural areas and farmers",it should fully Based on the successful experience at home and abroad,combined with its own development reality,we should build a perfect rural financial development system as soon as possible.According to the above research conclusions,in order to promote the healthy development of rural finance in Longjiang County,this paper puts forward four targeted policy recommendations,namely,improving the system of rural financial support policies,optimizing the financial development environment in rural areas,strengthening the support for new rural financial institutions and meeting the financing needs of various types of agricultural production financial entities.