Study Of China's Rural Financial System Reform

The agriculture, the countryside and the farmer question, are throughout relate our country economy and the social development overall situation major issue. The Chinese Communist Party 16 Fifth Plenary Session planned the build socialism new countryside significant historical duty. The socialism new rural reconstruction's key point is the solution "three agriculture" question, must solve "three agriculture" question, must have a set reasonably, highly effective, the health movement rural finance system to provide the sufficient financial support. At present, in our country rural finance system whole already could not fits to the economical development of the "three agriculture", urgent needs to reform the rural finance system.This paper defines the basic reform of the financial system in rural areas, the reform of the rural financial system to review and sum up the course, generally has experienced four stages on the stage of China's rural financial institutions composition. On this basis, China's formal financial respectively (the Agricultural Bank of China, China's agricultural development banks, rural credit cooperatives, rural commercial banks and rural cooperative banks, postal savings and postal insurance in rural areas, financial futures products), non-formal financial (rural cooperative foundations and others), as well as rural financial supervisory system for the analysis of the current situation, and noted that the present China's rural financial system exist.Followed by the building of a new socialist countryside from the large capital investment needs and China's current rural financial system not fits to the building of a new socialist countryside requested the two aspects of multi-level analysis, to speed up the reform of the financial system in rural areas to lay the foundation for countermeasures.At the end of China's rural financial system existing problems, this paper presents China's rural financial reform proposals, from promoting China's rural financial system strategic reconfiguration; improve the overall function of rural financial institutions; standardize the development of civil society to become a financial formal financial system complement; expand the field of financial services in rural areas; sound rural main mechanism for the loan collateral and gradually guide land use rights into the rural financial sector; the quality of rural financial system operating environment, raise the level of financial supervision and eight proposed reform of the financial system in rural areas countermeasures for building new socialist rural areas need different levels of capital formation network coverage.