The Research Of Financial Support System In Our Rural Construction

Rural construction is the important content of socialist new rural construction. In recent years along with the economy of our country developed healthily and the living level of people improved, farmers in housing requirements also promoted step by step. But there is a serious financing gap in the rural construction market because of various limitations including farmers'input. That restricts the development of rural construction and cannot satisfy farmers'increasing needs of house. Currently the financial support system of rural residence in our country is almost blank. Rural residential consumer credit is in small scale, the credit fund is insufficient and it is very difficult for farmers to get the housing loan. These factors cause a great contradiction that the money demands outweigh the supply in finance of rural construction. All of them seriously hinder the development of rural house construction, also influence the construction of new socialist countryside. How to build a reasonable and perfect financing system according to present situation in rural house construction and provide better service for rural house market has becoming a problem urgently to be solved.This article mainly analyses the issues from the perspective of supply. The analyzing body includes various financing organizations that provide financing service and government organizations that formulate relevant financing policies.The paper mainly analyzes the role of these organizations in the financing system and their mode of operation.In the first part of this article it expounds the research background, significance, mentality of this paper and the framework, making the readers have a rough idea of this article. Then review the mature rural financial theory and the housing finance theory and summarizes several current scholars'views about rural residential finance. This part prepares for the next research on theory. Next it discusses the development course and the present situation of the residential financial support system in our country now and summarizes different house financial system in the developed countries overseas, aiming at providing advices and guidance in the rural residential financial system of our country.The fourth part is a transitional section that introduces the article into the main part. According to the characteristics of our country's rural residential system it mainly analyzes the special requests of rural construction to financial system from the service organization, service content, service forms and service programs. This makes the dwelling-house financial support system that build in the fifth chapter more targeted.The fifth chapter firstly introduces the actual conditions current in constructing the system. They include the policy support the rural residential market demand and the developed rural financial system. These are the foundation of constructing dwelling-house financial support system. Finally, constructing the dwelling-house financial support system from the organization system, market system and the credit system in three aspects, it is the core part of the paper.