Rural Finance Reform And Localization In New Rural Reconstruction In West Impoverished Mountainous Area

Standard, perfect rural finance system, is "socialism new countryside" the construction fund support and the policy safeguard.The paper have utilized the real diagnosis research, the quota and the qualitative analysis as well as really investigates and studies and so on the research technique, systematically has studied in the new rural reconstruction in the west of our country the impoverished mountainous area countryside financial demand and the financial backing system, the impoverished mountainous area characteristic proposed west the union the development environment financial backing circulation economy idea, and had pointed out construct a multiplication, the all-directional rural finance system in the new rural reconstruction is helpful to increases the rural finance service to be possible to obtain the nature, fully display the rural finance to the western mountainous area in new rural reconstruction. Take this as the foundation, proposed west our country the mountainous area rural finance reform policy-type suggestion:1. The policy finance development must introduce the competitive system as far as possible, enhances the policy finance's operating efficiency. Therefore, we must be clear about the business scope of the policy finance, opens up the policy finance the capital source channel, innovate account executive business way, transform agriculture development bank management mechanism.2. Continues to deepen our country to cooperate the financial reform, fully transfers the intrinsic power of the rural finance activity main body, truly realize from bottom to top reform and the top-down policy guidance and the support unify, the existing rural credit union reform and the new rural credit union cultivation unifies, impels our country cooperative enterprise the development.3. The perfect commercial finance system enhances the rural finance market degree the objective request, for this, must deepen the state-owned commercial bank the reform, establishes the standard the organization to manage the system and the highly effective policy-making system; Reduces the rural finance market through the many kinds of measures the transaction cost, serves using the benefit induction mechanism guidance commercial finance the rural finance market; Sets up the countryside commercial bank.4. Rural credit union has adapts the countryside environment special superiority, must further consummate the rural finance ecological environment under the premise fully to display it the main body function which serves for "three agriculture", must devote to promoting the rural credit union's reform and the development, vigorously impels the countryside policy finance service the development, simultaneously adopts the powerful measure impetus postal savings the fund backflow which attracts in the countryside stores, unifies the countryside insurance to promote the attraction commercial finance to participate in the rural finance activity.