The Research On Perfecting Rural Financial System In Hunan Province

Perfect rural financial system provide a strong background for the the solution of the problem of "agriculture, rural areas and farmers". It was build a harmonious and stable without the problems of "agriculture, rural areas and farmers" of new socialist countryside. Agriculture is the foundation of the economic development of Hunan province, and the advantage in realize the comprehensive well-off rural finance of Hunan province, which occupies more important position in the entire financial industry. It was global significance of enrich and perfect actively rural financial system of Hunan province. From reality view, the paper analysis fully various institutions of rural financial system on current in Hunan province, discusses main problems of rural financial system, and which aims to provide some suggestions for perfecting rural financial system in Hunan province. The result was shown as follow:To standardize and develop various forms of the new type rural financial institutions, to set up in line with the "agriculture, rural areas and farmers", meet the demand of farmers, diversified, multi-level and broad cover and sustainable rural financial system. To integrated use a variety of measures such as advance payment, specialized preparation rate, re-loan for agriculture and tax shelter, it give full play to the policy with guidance, incentive functions, increase the intensity of agricultural credit in the four biggest state-owned commercial Banks, reform of rural credit cooperatives with market-oriented, further cultivated extensively and develop the new type of rural financial institutions, expand actively credit products with "agriculture, rural areas and farmers", perfect the laws and regulations of the mechanism of rural financial guarantee insurance, promote sustainable development of the new type rural financial system, which make a profitable long-term returns of business investment in the countryside.To point out clearly reform direction of agricultural development bank was establish market-oriented operation mechanism with government intervention, establish a sound legal system for escorting the perfection of the rural financial system, guide the capital flow of rural market, innovative financial products and services. By developing the agricultural policy finance, improve rural infrastructure and agricultural economic development condition, promote agricultural economic development, and attract business type of financial institutions to gradually return to the rural market; The reform direction of the agricultural bank was carry out sound financing services in the object features of "agriculture, rural areas and farmers", development diversified rural financial services, rural financial product innovation, participate actively in the new countryside each enterprise development, promote the construction of infrastructure; the reform direction of Rural credit cooperatives was further clear property right structure, organization innovation, advance evaluation mechanism innovation with as the core of capital constraints, pushing forward the innovation of financial products and business.Other financial organizations such as "private lending" as a kind of convenient operation and flexible means of financing, it should be moderately relaxed to financial control, standardize and guide actively the rational development of these financial organizations, play irreplaceable complement, regulation on rural finance, which has made great contribution to socialist rural construction.