The Rural Financial Services Situation Analysis And Countermeasures Of Dongxiang County

The Chinese Communist Party 16 session of Fifth Plenary Session proposed construction socialism new countryside significant historic task, In 2006 central committee "first document" "Central Committee of the CCP State Council about Advancement Socialism New Rural reconstruction Certain Opinions", In 2007 the central committee " the first document", "the Central Committee of the CCP State Council about Positively Develops Modern Agriculture Solid Advancement Socialism New Rural reconstruction Certain Opinions", explained solves "three agriculture" ; the question to help the party the most important.The construction socialism new countryside is must sharpen the agricultural synthesis productivity, realizes the industrial constitutive property adjustment and the farmer additionally receives, promotion "three agriculture" economical development. It involves the infrastructure, the agricultural informationization, the industrial production, the countryside urbanization construction and so on many aspects, but this a series of advancements cannot leave financial the support. The rural finance system is supports the agricultural development, prospers the rural economy the basic fund channel, is the service farmer additionally receives, facilitates the main body finance platform which the farmer lives, is the cultivation new peasant, the setting up civilized local custom effective carrier, is improves the countryside facility, the promotion village accommodates the neat backbone impelling force, Is cultivates the village organization, realizes the democratic management important safeguard method. The finance is the modern economy core, any economic activity all must have financial capital this blood vessels to make the support, but the countryside effective finance service is adjusts the agricultural structure, the promotion agriculture industry promotes, the expansion agriculture industry chain, enhances the agricultural production income, realizes intrinsic powerwhich the farmer income continues to grow stably.In this article structure divides into six chapters, adopts proposed the question, the analysis question, solve the question triad to carry on the elaboration. Along with 1996 State Council "about Rural finance Organizational reform Decision" the promulgation and the implementation, the Dongxiang County countryside initially formed take cooperated the finance as the foundation, the commercial finance, the policy-type financial division of labor cooperation rural finance system. Promotes rural economy development contribution prominent folk financing active, to ford the agricultural finance product to have the innovation, the rural finance ecological environment day by day has the improvement. But looked from the questionnaire survey situation, the Dongxiang County current rural finance faces the main question including the rural finance fund insufficient supply, the financial organ contracts, the financial service excessively much is bad, the credit fund outflow, the credit environment difference restricts the rural finance development.Through the analysis, the financial industry takes refuge from danger the natural, the rural finance product and the service cost by the advantage is high, the rural finance product and the service method sole, aspect and so on rural finance service credit environment flaw factors creates the primary cause which the Dongxiang County rural finance service question exists.The new countryside needs the new finance. To the new rural reconstruction, the government tax relief, the increase subsidy, the enlarge shift payment, special operational policy measures and so on enhancement infrastructure investment are start the countryside reform the essential condition, innovates more importantly the rural finance system, the perfect rural finance service, provides the finance stably for agricultural and the countryside development "the blood" realizes new rural reconstruction sustainable. Therefore, the article finally proposed must from the consummation money market system, the construction harmonious finance environment, the cultivation standard market main body and aspects and so on establishment effective risk disperser mechanism obtains, proposed consummates the rural finance service the tentative plan.