| In a sense, modern economic development depends on the financial development. Finance not only can promote economic development but also to be inhibited. As in recent years, the economic system and financial system reform, China's rapid economic development, corresponding to the financial system is also a good development. However, due to the duality of our economy, leading to the duality of the financial system, the city financial system and rural financial system phase separation, respectively, in urban society and rural community areas of operation.Since china's reforming and opening, our rural economic development has made remarkable achievements in recent years, stagnant agriculture and rural economic development, farmer income growth down or even declining, a number of rural surplus labor, transfer difficulties ... ... "Three Rural Issues" impose a serious impact on our social goals, but also impact on our entire national economy sustained, healthy and coordinated development. Particularly in the financial crisis, China's economy depends on export-led growth pattern has been a serious threat, we need to transform economic growth mode, developing the rural market, develop the rural economy is imperative.So, now the rural community to achieve well-off, to adjust the agricultural structure, improving farmers income to achieve the main obstacle to what is it? Author argues that the difficulties of rural economic development and increase farmers income is one of the main factors of financial constraint, as rural financial system is not perfect, farmers lack of funds and the funds can not be limited to reasonably allocate much of their infrastructure can not be Gaishan time, a lot of investment Jihui have been stranded for lack of funds, Keji Zai and other rural areas of developing very Kunnan, and impede the development of the rural economy and farmers become rich. At present further development of China's rural economy needs financial support, but due to some historical reasons, China has a strong rural financial system exogenous, ie not based on the need for rural economic development, but the product of government-led, Therefore, at present China's rural financial system can not be suitable for rural economic development, finance a serious shortage of supply, not only on the total amount of the deficiency, there are also significant structural deficiencies.For the city of Zibo,after several years of reform, rural financial system development have a great change, but there are some reforms are superficial and do not play a substantial role, for example, property rights reform of rural credit cooperatives and non-performing assets of the deal, ABC's modern corporate governance structure and business model of commercial banks to establish the Agricultural Development Bank to carry out agricultural support businesses, private financial institutions in rural areas access and business conduct, private financial regulation and guidance, as well as non-bank financial institutions in rural development such as insurance companies. This article on the analysis of rural financial system abroad, based on the current situation of the rural financial system in Zibo city and the reasons were analyzed, can be combined with the actual economic development in Zibo and put forward a new rural financial system and the objectives and principles and the new Construction of the rural financial system and put forward some specific construction measures, through the analysis of rural financial system of Zibo should integrate the needs of farmers and the agricultural economy of the reality, according to market-oriented principles, into policy finance, cooperative finance, business financial independence to run and promote each other and efficient financial system. |
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