The Research Of Chinese Farmland Financial Institution

The "three rural" issue is the first problem of China's current economic and social development, Li Changping summarized in 13 words out of China "three rural" issue: farmers really hard, rural area really poor, agricultural really danger. The key to solve the "three rural" issue is capital and land, but our current fund for agriculture is very scarce, all financial institutions to adjust the conditions in the market mechanism have avoided lending to farmers.The farmers, but rising financing needs of the shortage of financing, while rural land as non-full use of assets still in state of incomplete use of their property as real estate finance has also led to a loss of functionality.Around the world, and the western countries hundreds of years of land for agriculture and farmers financial system provides excellent financing mechanism and mode, guarantee the prosperity and development of the agricultural economy, make this country strong foundations unbreakable. In China, whether farmland financial system or the business have not really develop and expand , so really from the system and supporting measures system construction to China's national conditions on the development needs of the current financial system is farmland to solve the "three rural" issue, and also the golden key to the urgent demand of the dual-economic structure crack problems.To conception of farmland financial system design and operation mode for the purpose,this paper through on-the-spot visit rural survey made a lot of hand data and information, combined with existing literature summarizes farmland financial development and the rural economy, rural social and agricultural development relations, from the legal angle and empirical perspective for the current rural land law is insufficient, analysing the rural financial status, structure and problems. In the meanwhile, this paper analyzes the China financial farmland pilot gain and loss,combining the abroad farmland with the history of development of financial hundred years experience in financial development, put forward several measures of farmland, on the basis of the construction of China farmland financial system design conception and the basic framework, including the system construction, the overall goals, basic principles, system design and business operation. Through the financial system of farmland constructing and operation mode of the design, combinating of theory and practice in the system construction, the conception, under the basis of the five principles of financial industry management, establishing the farmland for policy formulation and macro management, delegating policy financial institutions, professional financial institutions and guide commercial financial institutions conduct various levels for our business, constituting systemic farmland financial industry structure and operation mode.