The Study Of Current Situation And Development Of Financial Services In Rural Areas Taking Laiwu City In Shandong Province As An Example

Rural finance, generally refers to all circulations of money in rural areas. Rural finance development has close relationship with rural economy growth, so constructing a good and practical rural financial system plays an important supporting and introductory role to rural economic development. On the contrary, if rural finance development is insufficiency, it will restrict the healthy development of rural economy. Presently, rural finance service has fewer mainstay and weaker function, imperfect market, incomplete financial reform, and has difficulty to meet the financial needs of peasant and small and medium-sized enterprises. This has become the bottleneck which restricts the rural economic development. Along with constant deepening of the rural economy reform, how fully display the key role rural of rural finance in rural economic development, how to solute each kind of questions exist in current rural financial service in maximum limit and realize the harmonious development goal of rural finance and economy, has become the question which urgently awaits to be solved during the Chinese rural economic development.This article starting from how to improve the level of rural financial service, has made a thorough investigation into rural financial reform, especially how does it serve the rural economic development situation in China and Laiwu, Shandong province. It also makes deep analysis in way of rural financial market and how China's rural financial market playing rural financial service role in order to support rural economic development better.This article first carries on an elaboration to the background, goal, the significance and the domestic research dynamic of this paper's research, cleared about the train of thought, methods as well as the system frame of paper research, and taking Laiwu as a real diagnosis, profoundly expounded the financial demand of rural economic development and supply situation of rural financial services. This article roundly analyzes the main problems existing in current rural economic with a great quantity of data and examples, such as imperfections in rural financial service and finance institutions, weakening of supporting agriculture function of rural financial institutions and serious outflow of rural fund, rural credit management system needs further consummation, imperfect social investment environment and so on. In view of these problems, propose countermeasures on how to improve rural financial services: scientifically constructing rural finance services system with reasonable division of labor and supplementary functions, establishing assorted fund backflow mechanism and increase funding input, perfecting credit management system and raise efficiency of serving rural economic development, strengthening innovation of rural financial tool and perfect financial serving functions, reducing risk of agricultural loan and improve quality of credit property and optimizing external environment of rural finance development. Presently, Chinese rural finance is in an important historical turn point and changing profoundly. It faces many austere challenges, also many new developing opportunities. Constructing and perfecting rural financial system serving "agriculture rural areas and farmers", in order to make our peasants enjoy the financial reform achievement in economic development, and providing constant financial resources to new countryside reconstruction, have very important economic and social significance.