| Agriculture, countryside and farmers are relationship to the overall development of our country. China's rural economic system still is not perfected, agricultural lags behind, the farmers' income is too less. Rural finance, as an important stronghold of building a new socialist countryside, has driven the development of economy.Financial system reformations in the countryside still fall behind; it has already become the main obstacle. The policy finance limited in a small area, most of the formal commercial finance quitted, the rural cooperative finance, the only formal institution that does business with farmers directly, operating awfully because of bad management and historic problems. Thus it is high time that we should reconsider the construction of rural financial system.Based on the digestion and absorption theory, this paper reformed the rural financial system at first, analyzed the main issues of rural finance facing. Then focusing on the actual needs and demands in our country, analyzed the current situation, considering the problem of present rural financial system is not a problem only lies on the lack of supply, but a structural disequilibrium of needs and demands. Look at foreign successful rural financial system, distinguished the developed countries and developing countries to two categories, included typical countries respectively, and got the successful experience and enlightenment. Combine a rural credit transaction model, based on that, affect the deal several factors are discussed. Finally proposed the suggestions in the construction of rural financial system and polices. On one hand, we should build up a set of multi-level demand matching system; realize the very main customer for formal finance. The commercial credit satisfy the leading enterprises' demands, promote the regional development; the mini credit satisfy the Medium farmer's demands, service more areas and farmers; the small loans satisfy the market-oriented farmers and town enterprises' demands, and develop more lending channels. On the other hand, we should highlight the main force of policy-related finance function, establish new rural mortgage guarantee mechanism, build the government-led agricultural insurance mechanism, and improve the legal and regulatory regime.Then the financial policy, commercial banking, financial cooperation and non-formal, services in rural areas and industrial operations system, providing strong supports for agriculture and rural development, and helping farmers become rich!... |
