The Variance And Innovation Research Of Rural Financial System

Rural financial system development on the rural economy play a significant role.After years of evolution, China’s rural financial system formed the backbone of cooperative financial institutions, commercial finance, financial policy and the coexistence of new-type rural financial institutions, rural financial organization system. With the economic and social development, rural financial system, the problems change as the current bottleneck restricting the development of rural economy,The macro level for the rural financial system design reflects the deviation, from the microscopic expression for the insufficient allocation of financial resources in rural areas.Therefore, to improve China’s rural financial system, improving the rural financial system,this paper mainly focuses on Changes in rural financial system, rural financial resource allocation and innovation in rural financial system.Overall, China’s rural financial system and the system is now moving in the rationalization and standardization in the direction of development, But by various factors, changes in the process of rural financial system there is a series of problems. Therefore, changes of the rural financial system conducive to macro grasp the direction of the rural financial system reform, and promote the healthy development of rural financial institutions. On the other hand, changes in the rural financial system has led directly to the micro level in rural areas lack the financial resources, that the supply of rural finance and rural financial needs still exist between the large gap. This gap restricts the development of rural economy, Therefore, the main focus on rural financial resources, research on rural financial system and a new pattern and path.This paper is divided into three chapters.The first chapter reviews the history of the rural financial system changes, and changes in the characteristics of the rural financial system is analyzed. First, Highlighted five banks:commercial banks, policy banks, rural cooperative financial institutions, postal savings banks, the new rural financial institutions. Secondly, according to the development of a detailed review of changes in the course of rural financial system. Then, the analysis of changes in the characteristics of the rural financial system.The second chapter is the configuration of the rural financial resources empirical analysis. In this chapter, the concept of rural financial resources to define, based on a western rural financial resources to the current situation of the field survey, And then the sample allocation of financial resources in rural areas where analyzes the causes of defects. To verify the above-mentioned issues and analysis, This chapter is designed level indicators of rural financial resources, rural economic development indicators, And reached the rural financial resource allocation for rural economic development, the conclusion.The third chapter is about the rural financial system in the path of innovation.In this chapter, the rural financial system that draw lessons, improve the rural financial resources allocation of rural financial system, the need for improving and perfecting. So this chapter with the first chapter, the second chapter of research achievements in the rural financial system, and puts forward the direction of reform and innovation, it should be on business management, commercial, continue to deepen reform of the management system of property right system and internal corporate governance reforms, and the scope of functions. Namely:increasing the rural financial system reform and development, improve the rural financial service and supply system, improve the rural financial policy support and improve rural financial supervision system.The main dedications of this paper are:1、This paper reviews the rural financial system vicissitude course, draw the rural financial system change under the guidance of the government’s mandatory with design; reform of rural financial organizations, weakens the stability problem of rural credit cooperatives, to eradicate such conclusion.2、Based on the sample of rural financial resources survey results show that: the rural financial resources allocation in the rural financial system, the rural financial institutions credit funds, rural financial service function defects from three aspects.3、Through empirical analysis verified in the supply of rural financial resources allocation channels, organization structure and service.4、This research shows that the rural financial system vicissitude the influence and the rural financial resources behind the defects in the content on configuration is consistent in its structure, and that the logical relationship is established on the rural financial resources allocation, which is an effective way to the innovation of rural financial system.The shortages and places which need further improvement are:1、the paper has failed to Chinese farmers living habits, consumption habits, rural economic structure of external factors were analyzed.2、The empirical analysis of the limited western rural financial resources allocation situation, and part of the rural economy, though limited financial indicators paper emphasizes the quantitative analysis and qualitative analysis, combining but for quantitative analysis of the model, and still lacks empirical data to further demonstrated individual viewpoint.