The Research Of Rural Financial Organization's Restructuring In China

Since the reform and open policy, in order to better serve well of farmer, agriculture and the development of rural economy, our country has carried on a series of reforms along with the reform of rural economical structure. And after the reform, our country has founded a well rural financial system which takes the countryside credit association as main body, communal development of the Bank of Agriculture in China and the Bank of Agricultural Development in China, and supplementing of folk money.Looking on the surface, the rural financial organization's system is quite perfect, not only has cooperated finance, political finance, but also has commercial finance. Only looking from the operation of rural financial organization system, the rural financial organization system develops more and more be deviate even be depart from its anticipated track, exposed many deepen contradictions and problems. But in recent years, along with the deepen reform of financial system, The present rural financial organization system can not well serve for the agriculture and the rural economy development. Because of this, restructure the rural financial supply system, and make the balance of supply and demand in financial market, are urgent topic which face in front of us, which advance the development of agriculture, increase the farmer's additional services, and promote the socialism new rural reconstruction. Those are great value in both theories and practices.In the basic inspection of our country countryside various levels financial supply and demand, this article analyzed the current countryside financial supplies system in China, and pointed out its existence problems. The Bank of Agriculture has pursued to maximize its own profit to found and consolidate the countryside management point. With deepen reforms of the grain circulation system, the Bank of Agricultural development has gradually compressed the services-- the function quite is unitary, and the flaw of supporting the rural economical development is obvious. Long time, the countryside credit serves as the basic unit of the Bank of Agriculture, which makes it hard to break with " the way dependence " , so the commercialization and the monopolizing management tendency is serious. And learn from the developmental countries how to construct the rural finance organization system experience, proposed the basic tentative plan in constructing our country rural financial organization system. For examples, sets up new credit supplies organization to adapt the countryside credit demands; positively guide, support and standard the natural disposition countryside financial development; integrate the main function of existing countryside credit firmly; develop agriculture insurance, small bonding company in countryside and many other kinds of financial organ for the extension of service scope.