Research On The Development Process And Reform Paths Of China’s Rural Financial Reform

Rural financial reform has the critical position and important part in theframework of China’s rural reform, meanwhile, it’s also an eternal topic. From theperspective of Marxist historical materialism dimension, rural financial reform wasborn in the specific historical conditions and rely on that condition. Due to differenthistorical periods and different developing stage in the issue of rural finance, externalenvironment are various, Simultaneous, motivations, goals, means and directions ofrural financial reform are various. Since China Communist Party led the first ruralfinance movement in1921, China Communist Party and rural finance reform growsup in the meantime, along with the period of Land-revolutionary war, Anti-Japanesewar, the war of Liberation and the founding of People’s Republic of China. Duringover90years’ reform and development history made a series of glory achievements.Since the China Communist Party’s18th National Congress, the reform of therural financial embraced in a new historical opportunity. As an important part andcontent in the comprehensive deepen reform system, rural reform has already enteredinto the pivotal area and crucial stage. Can not delay the to deepen rural financialreform in our era. Differ on previous rural financial reform, the key point is how tounderstand the meaning of “deepen”, which is related to the overall development ofrural financial reform. Analysis and interpretation of the rural financial reform bymeans of perspective of historical are not only benefit to the rural financial reformdeconstruction and know the basic context of rural financial reform better, but alsograsp a comprehensive and profound grasp the meaning of the word “deepen”.Playing the role and adding value of rural finance, promoting deepen rural financialreform and promoting prosperity in rural financial markets. It has a proudly meaningboth in historic and reality.In order to master the full-view in the reform of the rural financial and exhibit thewhole process of rural financial reform, by scientific analysis of the experiences andlessons of rural financial reform, by combing the rural financial system reform,“Yesterday”,“Today” and “Tomorrow”, my paper is under the guidance of Marxistdialectical materialism, begin with a historical perspective of the evolution anddevelopment, depicting the huge picture of rural financial reform and outlines. This paper consists of several parts, The specific contents are as follows:Chapter1is the introduction, which is the basic contents of this paper, it showsresearch background, significance and study situation at home and abroad, researchideas and methods and research framework. It provides academic support in furtherresearch.Chapter2is the rural financial reform thoughts. Ideas and theories are practiceguidelines, the rural financial reform is led by the Communist Party of China underthe guidance of Marxism promotion of financial theory, while also enriching andplayed a Marxist theory in practice finance rural financial reform. This chapterreviews the financial aspect of the system of ideas and theories of Marx, Engels,Lenin and other revolutionary leader, which is the party’s leadership theoretical sourceof rural financial reform; on the other hand, a comprehensive study of the collectiveleadership of the party of four generations of leaders of rural finance practice throughreform, including Mao Zedong Thought and Chinese characteristics’ two ruralfinancial reform ideas, and constructed the basic form of Chinese theoretical systemof rural finance.Chapter3is about the process and changes in rural financial reform. in the ruralfinancial reform under the Chinese Communist Party’s leadership is a dynamicprocess. In different historical periods, the contents and objectives both focus on thosedifferences. Considering about the different time periods, the rural financial reformprocess is divided into four parts. Such as the New Democratic Revolution (includingrural financial reform Agrarian Revolution, the three stages of the rural financialreform, rural financial reform during the Anti-Japanese War of Liberation), socialRural financial reform socialist construction period (including rural financial system,establish and reform of rural financial service system, etc), the rural financial reformperiod (mainly from rural formal financial reform combing the rural informal financereform in two dimensions) and the new Rural financial reform period(including thestocks of financial and incremental financial reform both). In the demonstrationprocess uses text analysis and structure-analysis approch, focusing on the varioushistorical stages of China’s rural financial reform methods and content, problems andsolutions, reason and logic, which are intended to restore the rural financial systemreform track and the overall outline overview of rural financial reform.Chapter4is about the effect of the rural financial reform. Over90years’ reformand development, rural finance construction under the leadership of the Communist Party of China has achived significant achievements. Including six parts, such as theinitial formation of the rural financial system, rural financial risk prevention systemgradually improved, China’s rural financial credit guarantee system was formedbasically, which gradually improving rural financial service system, the initialestablishment of rural financial policy support system, supply and demand pattern ofrural finance delivery to the high level of balance. This section hopes to avoid themonotony of the empirical analysis of academia, it uses of the method of normativeanalysis, interpretation and analysis were carried out from the theoretical form and theformation of logic between “what should be done” and “what was done” to explorethe inner tension in rural financial reform tension.Chapter5relates to the features,logic and experience of rural financial reform.In order to summarize and refine the experience of rural financial reform, this sectiondiscusses the logic behind the rural financial reform. This chapter use the abstractionand induction method to examine the rural financial reform perspective:oncharacteristics in terms of reform, including forced to problem-oriented and gradualprogress, in order to clarify the overall advancement, existing and Incremental ReformCollaborative; on logically in terms of reform, including meeting the credit needs offarmers as the highest value targets, to promote the rapid development of the ruraleconomy as the core power, and to deepen rural financial reform as the main means.Chapter6is about the contemporary challenges of rural financial reform. Theproblems are solved in the reform process, and new problems generated then. Thoughrural financial reform has made significant progress in China, the internal and externalenvironment of rural finance has undergone profound changes, as well, the ruralfinancial reform is facing serious challenges. The rural credit inefficient financialproblem of the low income class was not solved yet, to improve the externalenvironment of rural finance is then a urgent need. The rural financial reform is underbad regulation, and effect of rural financial reform force is not significant.Chapter7is about the reality of rural financial reform path selection. Operationalrural financial reform is the key to solve the problem. This chapter reconstructed themethds in contemporary rural financial reform, as well as the overall judgments aboutthe future of rural financial trends which suggested that the rural financial reformshould follow the path consistent with rural reality, specifically, including knit ruralfinancial network in the financial symbiosis and join in the open rural finance systemsto improve rural financial increments on rural financial ecology. This is a co-ordination of the development of rural finance, and it also played a decisive role inthe rural financial market allocation of resources as a countermeasure.