The Postal Service Finance Serves The New Rural Reconstruction Policy Research

This article utilizes the management science the related knowledge, elaborated the postal service finance from following several aspects to serve the new rural reconstruction strategy choice. The this article first half part mainly from our country rural finance condition obtaining, analyzed the rural finance demand to have slightly lends money the specified amount, the low income high risk, timeliness strong, the information not asymmetrical characteristic, simultaneously on the region, the level, the main body had the difference, therefore had decided our country rural finance system construction had to meet the rural finance need the characteristic. The supplies insufficiency, the fund outflow, each financial organ exists which in our country rural finance market supplies aspect faced with the massive losses, the basic financial service demand not yet satisfy as well as questions and so on national finance policy distortion quite are serious, in fact has already hindered the rural economy development, even causes the rural economy one misfortune after another, intensified the rural economy region development not to be balanced. But the postal savings bank took postal service finance representative, already started to participate in our country new rural reconstruction, in this case the postal service finance adopted any type the strategy to participation, how competed with the market in other financial enterprise appears especially importantly. This article second half of has analyzed the overall rural finance condition after front, through with the international on comparison, the analysis as well as to the realistic data investigation which practiced to China, has made the localization and the choice for the postal service finance in the new rural reconstruction strategy, namely city commercialization, countryside policy; In the near future policy, forward commercialization. Arrives the household directly through the loan, the development jot has (does not have) the mortgage loan, the participation service as well as with other financial organ cooperation (for instance with countryside credit association, with China Agricultural development Bank, with other jot credit organization) supports the new rural reconstruction, in the future which may foresee, the postal service finance will certainly to our country new rural reconstruction to have the important influence.