Development Of Informal Financial Institutions In Rural Areas

Rural Financing organization has its roots as a rural economic development process of the system of arrangement, have its own background necessity and reasonable, which also its own characteristics and weaknesses, not only promote development of rural economy, rural economy and the macro also Ji run economic development of certain risks. Therefore, standardization of the rural folk finance undoubtedly a major theoretical and practical significance.In this paper, literature research methods of theory and practice is a combination of financial Xue of some theories and methods, of the Rural Nongovernmental Financial development situation, existing problems and reasons based on the analysis put forward to promote Chinese Rural Financing Organizational Development countermeasures. First, from the rural development process of private financial organizations; private financial organizations in China's development and policy background; Chinese Rural Financing size of the organization, distribution and effect; Chinese Rural Financing organizations operating characteristics; my private financial organizations and other financial organizations; my reasons for the development of private financial organizations of the six aspects of the course of development of rural financial organizations and civil status were analyzed. Then from the network in rural areas, inadequate financial services organizations; guide financial institutions to support the "three rural" incentives are not sound enough; rural financial organizations, civil society is still not perfect corporate governance structure; rural areas the proportion of bad loans, private financial institutions remains high; private financial organizations negative impact on economic development; private financial organizations in the usury problem; legalization of private financial organizations in the seven aspects of the development of rural financial organizations, civil society the main problems were discussed, while private financial organizations in rural development problems and its causes analysis. Finally, on this basis, puts forward the rural folk financial organizations Fa Zhan De Measures:Construction of rational distribution of rural private financial resources systems; private financial institutions in rural areas to establish optimal Shengtai Huanjingbaozheng system; Tuijin rural financial organizations and product innovation, build an appropriate competitive financial markets.