Expand The Road Of Financial Support For Rural In Jilin Province

In china, the main problem facing rural financing is, to financial supply constraints for the long-term inhibition of rural finance. In the historical roots of past food purchase and sale system, the creation of the agricultural sector of national income through the"scissors"of the price channel shifted of industrial Etc. to other areas.For the protection of national economic construction of the capital accumulation, but the "three rural" development in the accumulation and inadequate investment, outstanding performance of rural financial services for the formation of the gap between supply and demand, all contradictions appear. In recent years, through the implementation of the policy, the development and improvement of income and the others changes, so financial services needs of farmers show increasingly diverse trends. Agricultural modernization, characteristic surplus rural labor force will be released from the land,transfer to the city,the degree of agricultural intensification and urban upgrading.As of the end of 2009, urban population to reach 1460 million in Jilin Province, urbanization rate is 53.32%. In the field of rural finance, demand for credit from traditional production to consumption-expansion, large famers breeding, rural small business, new agricultural economic organizations and urban infrastructure the diverse needs of the total funds and ways to generate new needs. Jilin Province as an example we have to measure the "three rural" funding gap of credit should be more than 50 billion Yuan. On the other hand, from the supply point of view, many financial products in rural areas are less, the single way of financial services, quality and efficiency of financial services is not high and the situation has not changed. Monopolistic structure of the rural financial markets, insufficient supply, the high cost of capital, low level of service, pulled out of multi-channel funding, the business Sustainability is poor and the financial policy narrow coverage Etc. has many ills. Despite the gradual shift in recent years, but between the two there still has a big difference and contradictions. For the above reasons, this article refers to, the theory of rural finance and comparison of rural financial theory of foreign generation background, development of financial model, different implementation of financial policies. So that it can research the status and problems of rural finance to Jilin Province, the empirical analysis financial product innovation innovative model and service methods in our province, its function of the object etc. effects were assessed, overall ease the differences in rural economy of our province, from that for rural finance for Jilin province it can learn from the experience and expansion path. This paper main is divided into four parts, as follows:The first part starts from the theory of rural finance. Learn about the theory of rural finance the historical process and development, reference and comparison all rural finance theory, carried out from the rural finance and rural economic system, from the relationship of the real economy sector in rural areas start, analysis methods using standardized, of financing and financial repression, the development process of financial deepening, To Jilin Province's status and problems of rural financial analysis and exploration, Combined with its shortcomings and advantages, to extend financial support path for our province.In the second part will be widely use for reference developed countries and financial support to agriculture successful experiences and the basic principles in developing countries, choose one way for the status of financial support to agriculture policies in Jilin Province. From the United States, Japan, Germany, Korea, India, the five developed and developing countries in depth analysis, Learn from these countries, the agricultural use of financial models, and learn from success experiences and the lack of on the these international. With our country policy effectively on third part of the efficiency of agricultural support policies in our province of the financial guidance.The third part will study the relationship between financial deepening and means of starting, compare the effectiveness of different agricultural support policies, starting priority from three directions: First, the reform of rural credit cooperatives; Second, the rural way of innovative financial products and services; Third, the main competition. To develop rural financial market depth and breadth. Last part presents conclusions and recommendations, chosen for passing situation in the province to support rural finance-- Adhering to the market and policy support the principle of combining, stressed to support policy support and guidance the role of, Improve and perfect the mechanism of positive incentives, to fully mobilize and motivate the internal enthusiasm and creativity of market players, good to play the role of window guidance, guide the county financial institutions, strengthen the "three rural", SMEs, poverty alleviation and development, rural and county infrastructures etc. Focus areas and weaknesses of the financial support.This through research and study, we deeply appreciate the "three rural"desire for financial services and rural financial markets for the importance of reform to improve. For the economic development of rural finance has played a "affect the situation as a whole"role, not only to rural development and stability, but also to the major social problems. Therefore, we need to analyze the current situation of rural finance and rural financial system to explore China's new path of choice.