Based On The Construction Of New Rural Areas Rural Financial System Innovation Research

At present, " Three Rural Issues " highlights the contradictions have become restricted the development of the rural economy " bottleneck" In recent years, the Chinese government attaches great importance to the "three rural" issue, in 2006 proposed construction of new rural areas, expounded the modern agriculture and the construction of new rural intrinsically linked, the new rural construction is the foundation of modern agricultural development process. The development of modern agriculture is a positive solution "Three Rural Issues" the fundamental way in the country's rural economic development process, the development of modern agriculture requires a large amount of capital investment, relying solely on its own economic mainstay of the rural slow unable to meet its internal accumulation of funds demand, we need to more sophisticated financial system to serve. Currently, the country formed a policy-oriented financial cooperation finance, commercial finance, postal financial services, nongovernmental financial division, and closely cooperate with the rural financial products supply system for the development of China' s rural economy has made important contributions to, but the existing rural the financial system is still not very good meet rural economic and social development and the increasingly complex multi-level and diversified demand, speed up the implementation of China's rural financial system innovation has been imminent. At present, China is at a stage of the construction of new rural areas, the face of the new situation and new problems, we should proceed from the overall situation and long-term, dynamic perspective to look at China' s rural financial system innovation, and make full use of market economy mechanism induced by the interest, through the The effective policy support and guidance, and the establishment of the new building of a multi-level rural credit demand, increased education and training for farmers and social credit mechanism, strengthen rural capital return mechanism on the basis of various financial institutions to give full play to their own advantages and characteristics , relying on the state' s power to establish and improve agricultural insurance system, in the low-threshold, and strict supervision vigorously on the basis of the development of new financial institutions, reasonable norms and guide private finance, construct commercial finance, financial cooperation, financial policy, postal financial and other forms of rural financial institutions positioning reasonable, and the complementary function, full competition, wide coverage, and the sustainable development of diversified competitive rural financial system.