A Study On The Rural Financial Service System Of Guangxi

China is a large agricultural country, more than60percent of the population livein rural areas,farmers,agriculture and rural issues are the greatest concern ofsuccessive governments in China. For seven consecutive years from2004to2010,the Central Document No.1proposes to encourage the rural financial reform, increasethe supply of rural finance, and innovation of rural financial products, and graduallyto meet the financial needs of farmers. At present, farmers are the most basicproduction and consumption in the rural economy, rural financial reform anddevelopment to consider and recognize the financial needs of the rural economicentities, to meet and adapt to the farmers the financial needs of the rural financialservice system reform in final goals.After years of reform and development of rural finance,China is basically builta policy finance, commercial finance and co-finance various forms of financialservices system, in large part to promote rural economic development. With the rapiddevelopment of modern agriculture,the farmers financial needs in China hasundergone some changes, by the unity of the production of consumer demandchanges to the financial needs of multi-level development, However, the slowdevelopment of rural finance, faced with a single financial product, the inefficiencyof financial institutions, the lack of a competitive system, the massive outflow ofrural funds, the development of the agricultural guarantees and insurance laggedbehind, resulting in unable to meet the financial needs of the multi-level farmers.Rural financial organizations to adapt to modern agricultural developmentrequirements, strengthen internal restructuring designed to meet the demand for ruralfinancial products, the progressive realization of electronic transactions, tostrengthen the management of credit funds for farmers. In order to expand the supplyof rural finance, ease the problems of rural financial repression, the state must givefull play to the advantages of policy-oriented financial and guide the commercialfinancial support to agriculture, to encourage the establishment of a new cooperativefinancial, and gradually formed to adapt to the characteristics of agriculture, ruralareas, farmers level, moderate competition, sustainable development of ruralfinancial system. The paper is divided into six chapters:Chapter one: Introduction. Described the basic problems of rural finance andeconomic development, this research background, the significance of the study,domestic and international literature review and innovation.Chapter two:The reform process of the rural financial service system. From theperspective of a comparative analysis of the United States and India as on behalf ofthe state function and reform of rural financial organization system path to acomparative analysis, trying to find a perfect and useful revelation of China’s ruralfinancial service system,Then reviewed the reform process of China’s rural financialservice system, and found the power and impact of the reform.Chapter Three: Chinese farmers financial needs change. Discusses the basicconditions and characteristics of the financial needs of Guangxi farmers in the year2000, farmers financial needs change.Chapter Four: Status and Problems of the rural financial service system inGuangxi. The status of the rural financial service system for the farmers financialneeds change, discusses the current problems in Guangxi rural financial servicesystem.Chapter Five: Supplementary private finance on the rural financial servicesystem. Analysis of the significance of the existence of private finance as well as itsown defects, to standardize and guide the development of private financial measures.Chapter Six: Improvement and innovation of rural financial service system.Rural financial service organizations to their own continuous improvement measures,and guide the establishment of new rural financial organization system, innovativerural financial products and services.The innovation of this paper is the farmers nearly30years by analyzing thefinancial needs change, examine the current status of the rural financial servicesystem and deficiencies at the point of view on the needs of farmers, appropriatemeasures to improve the rural financial organizations and innovation of rural financialproducts and services. Propose the appropriate measures to improve the ruralfinancial organizations and rural financial products and service innovation.