Research Of Coordination Development Of Rural Finance Serving System In China

Since reform and opening-up, the rural economy has obtained the enormous achievement in development of our country. But such questions as agriculture and rural economy are developed sluggishly in recent years, peasant's income increasing degree falls after rise even drops, the surplus rural labor force remained high continuously have been perplexing the circle of theory and practice circle all the time. Our government proposes the development goal to build China into a moderately prosperous society in an all-round and the construction socialism new countryside. The obstacle of rural development lies in the development of rural economy and increases with peasant's income level slowly at present. It thinks that its main factor is the financial restraint. Because of rural financial system being imperfect, peasants lack the fund; it is unable to get a chance to invest in. Chance that peasant receive an education lose, work skill can't raise, hamper rural economy's progress and peasant shake off poverty and set out on the road to prosperity.The dissertation is build on the foundation of analyzing to state and reason of our country's rural financial system at present, put forward goal and principle of new rural financial system construction, and has constructed the new rural financial system, then put forward the construction measure and policy recommendation.Analyze through the background, drawing lessons from the domestic foreign literature study extensively, on the foundation of analyzing to the demand characteristic of China's rural finance in transformation period, have summarized peasant household's demand of the rural finance. While the supply characteristic is analyzed, it has abandoned the past analysis visual angle, have carried on systematic analysis of deepening to financial supply in terms of disposition of financial resources, have put forward the microcosmic, middle-view, macroscopic to supply concept and characteristic, supply three levels with the structural function of the system to define and describe. On this basis, analyze rural supply of finance contradictory to with cause, put forward rural financial problem should solved from supply, the main reason why rural financial supply lacks is a view of rural financial resources running off and out-of-balance financial service system. Carry on the discussion in the principle of service for financial service system, define from the function on the financial system frame mode, go on the deep analysis of the three financial service system internal structure, composition, subject characteristic, dispose function separately, propose that should reconstruct rural financial service system in terms of resource distribution and function coordination. Put the coordination of China's rural financial service system in order in terms of resource distribution in chapter four. On the basis of analyzing the type to rural financial resource distribution, have proposed being by three levels namely micro, middle, macroscopic rural financial service system, forms rural financial service system in China. And then the one that coordinated the relation to the three levels have discussed, point out in the coordination relation of rural financial service system in China, micro the foundation, middle the connecting, macroscopic the key. On the conclusion and the foundation of compared with international rural typical mode of financial service system, build the coordination of constructing rural financial service system in China and the expect mode. The harmony operation of the mode has analyzed, obtaining the equilibrium solution of complete coordination state on rural financial service system in China expects mode that is under each condition, and then has pointed out the development route that totally coordinates the state. The necessity operated to the mode has carried on the analysis of empirical study. In macroscopic analysis, empirical study on the overall discrepancy of rural financial service system in China has been done from two angles inside the province and one another. The service effect of Harbin case analysis has proved some conclusions that from study model on the respect of practicing. This part centre on the rural financial service to agricultural industrialization, agricultural industrial structure adjustment, agricultural reform of taxation expenses, rural anti-poverty construction, support of the agricultural industrialization and of the scientific and technological progress have been further investigated respectively, orientate the rural financial service as promote agriculture to increase the improvement with agriculture's economic resource distribution efficiency, the rural finance must also form an organic support system, could supported the view of"the combining effect". At last, proposed by the measure of coordination development of rural financial service system in China. It put forward a series of concrete measure suggestions of promoting coordination development of rural financial service system from three respects.From above of all, it has thoroughly anatomized conformity domino offect character, functional distribution and problems existed. During the process of conforming structure, while has mathematically analyzed comprehensive coordinative relationship, it has found its existing preconditions and conditions and have theoretically answered problems through normative analysis. To solve which, we could brew, inspire, polarize and diffuse conformity domino offect, make goals come true which are to increase circulation efficiency of rural finance system, to promote development of rural economy and agriculture in China, to increase present income, to advance economy development in China at the end.