The Study On The Development Of China's New Rural Financial Organization

The new rural financial organization is a new thing from the reform of the rural financial system of 2006. It is closely bound up to the rural economics life. Been the new emerging forces serve"agriculture, famer and rural area";It is indispensability to rural financial institutions. At present, the new rural financial organization's'soup effect'has achieved initial success. How to keep the new rural financial organizations developing healthily on the basis of the existing achievements, to gain lager part of the rural financial market, to provide more effective financial support for the development of rural economy and the increase of farmers'income, to make more contribution for'agriculture, famer and rural area', is the first problem of China's new rural financial organizations. Based on the principle of proceed from the reality, combined with the general development situation of the new rural financial organization,Ⅰelaborated the backgrounds of China's new rural financial organization systematically with the method of existing condition analysis combine normative analysis and general analysis combine individual analysis.Ⅰdescript the current situation of China's new rural financial organizations classified by the three aspects of rural bank,micro-finance company and famer fund coadjutant organization. By the analysis of the specific example of case, the material suggestions and countermeasures about developing new rural financial organization were put forward.At present, the research of rural finance basis on the theoretical of the rural financial development, finance structure theory and the financial innovation theory. There are many studies about the problems of rural financial system by the scholars both abroad and at home, both from the rural financial market and the relation between supply and demand and from the rural financial system and supply aspects. Because the new rural financial organization is the new thing, the scholars at home mainly integrate the situation of the new rural financial organization experimental unit, studied on the new rural financial organization development situation from all the rural financial institutions or from these three aspects of new rural financial organization:rural bank,micro-finance company and the rural mutual cooperatives.Based on the former research,Ⅰdefined the new rural financial organization not only include the new rural financial institution what we called usually but also include micro-finance company and famer fund coadjutant organization which are not statistic to the new rural financial institution in this paper. ThenⅠintroduced its development history briefly, presented the current situation of the new rural financial organization. It is developing well but having some problems, as shortage of capital, legal basis insufficient, policy and procedure have loopholes, regulatory policies difficulty and so on. Through the analysis of the three specific cases of Anhui Province, Changfeng Keyuan Rural Bank, Shucheng Huimin Micro-finance Company and Mingguang Pancun town Xingwang famer fund coadjutant organization, some problems in the process of each new rural financial organization developing were put forward. As rural banks are supporting the policy is not in place, policy and financial environment is not perspicuity, the market orientation of differentiated outstanding issues ; Micro-finance company facing capital sources singleness,financing costs had a high rate of interest, customers are not stability and security companies associated with high science and lack of business operating system, standardize and did not include to credit system of the People's Bank of China and the local financial statistics report and industry under the supervision mechanism and ambiguous issue. These questions and to improve laws and regulations, the cooperation, the operational and expanded financing channels, to strengthen supervision, play a role model for the development of the new rural construction of financial institutions in the rural financial environment strategies proposed, for our new model of the rural financial organizations to provide for the healthy development of theory, be made to in support of the"agriculture, famer and rural area"work to greater financial support.