Reach Of The Country Folk Financeand Their Standardization

In our country nowadays financial system, on the one hand because there has the resources scarce and the uncertainty in the external environment,so various economic subject on subjective needs each kind of organization to melt the threat which scarce and the uncertainty brings as a result of the resources, therefore proposed the multiplex demand to the rural finance system; On the other hand, the countryside folk finance this resources disposition way has its intrinsic rationality, this kind reasonable is the establishment in effectively using the information, reduces above the transaction cost superior many superiority, enables its to be able to satisfy the economic subject to a certain extent the request. Obviously, the countryside folk finance activity is one kind of complex economical finance even social phenomenon,which has the widespread survival requirement and the development space in our country, it not only is one kind provides the fund to allow temporary credit the service the economic system, also has the promotion social progress social system characteristic, seeks the folk financial construction the system arrangement, gives the corresponding flexibility in the policy to the folk finance perfect and even the entire national economy development has the extremely vital significance to the financial system.This article in understood the domestic and foreign countryside folk finance in the research present situation foundation, had determined our country agriculture villagers finance connotation limits, through analyze the countryside folk finance in our country rural economy and the social development historical perspective, the present situation development, had determined our country countryside develops the countryside folk finance practical significance. Is for the purpose of through carrying on the investigation to the Shandong countryside folk finance condition in the foundation, from the fund market supply and demand balance, the fund involves randomness, the financial risk and the supervising and managing difficulty which the scope the universality, the fund flow to and so on several aspects analyzes the countryside folk finance existence thoroughly the background, the question and the tendency, the definite countryside folk finance should have the localization and the next step operation pattern, make sure the government the status which locates in the countryside folk finance reform, proposed the standard countryside folk finance policy suggested, by the time to the rural finance reform.I write this for the hope to bebeneficial to the Rural finance reform,rural finance system's consummation and the safeguard to"three agriculture"fund supplies practice.This article showed the countryside folk finance reform in our country rural finance organizational reform important status: It is a rural finance system essential part, is the countryside regular finance powerful supplement. In the article analyzed our country to appear until now about the countryside folk finance policy, pointed out the existing policy the deficiency which could appear in the practical application, and proposed outside not only the corresponding solution, pointed out our country make rectify names for the countryside folk finance, but also had to give"the equate the national treatment finance conforms"to the condition countryside folk finance organization; gave the policy fund support.