Sustainable Development Of Rural Financial Industrial Organization Of Innovation

Based on the background of building socialism new country, the unceasingly deepening of rural finance organizational reform and the gradually opening of rural financial market, this thesis establishes the logical basic point by reviewing the theory of industrial organization, rural finance development and the financial sustainable development, then defines the rural finance sustainable development and industrial organization innovation and building the framework On the basis of these analysis, this thesis points out the problems and reality performance of non-sustainable development of the rural finance through the analysis of micro-organizations in China's rural market and the analysis of the industrial organization of rural finance under the analysis paradigm of S-C-P. Then, this thesis analyses the reason and according to the reason, this thesis puts forward the corresponding countermeasure proposal.The main conclusions are as follows:1. Although there are variety institutions in rural financial market, they just relative isolation from each other. They not only have the problems of unclear property rights, unreasonable organizations, poor support to agriculture and the weak capacity of sustainable development, but also, the rural finance can't meet the requirement of rural economic development in the organization structures and service systems. There're not effective competition or necessary collaboration between those financial institutions, the reform of rural financial has not induced the right industrial organization of rural finance.2. There is a high degree of monopoly in China's rural financial market, but it's not formed by the market, it's the result of administrative monopoly, which led to the low competition, poor quality of service and eventually formed the low market performance. Then poor market performance trigger inefficient market behavior, inefficient market behavior further exacerbated the rural financial market monopoly, and it's led to the inefficient allocation of rural financial resources, that the rural finance can not effectively support the development of rural economy, at last, the rural finance development is unsustainable.3. The rural finance sustainable development is the result of many restrictions, such as the financial ecological environment which including the initial conditions, traditional concept, credit system, financial system; the development of rural economy industries; the micro-organizations of rural finance; the development of the financial organization and so on.4. Key to the industrial organization innovation for the sustainable development of rural finance is improving the ecological environment, lifting the initial conditions bound , changing the traditional concept, promoting the credit system, building a sound financial system, and on the basis of this, remodeling the rural financial institutions which has clear property rights and the capability of development, improve the rural financial organizational system, and then realize the sustainable development of rural finance.