Study On The Problems And Countermeasures In The Construction Of Rural Financial System In Yunnan Province

At present, rural finance plays a more and more important role in optimizing the allocation of rural capital, establish and improve the rural financial system plays an important role in the development of rural economy. In this paper, the rural financial system in Yunnan Province as the research object, analyzes the construction of rural financial system in Yunnan Province, the current problems and puts forward suggestions to solve the problem.This paper from the three aspects of rural financial institutions, rural financial demand current situation and agricultural loan allocation situation of current situation of rural financial system in Yunnan province are described, and on this basis, the main problems facing the rural financial system in Yunnan province has not played the role in the rural financial institutions, rural financial credit support is not enough, policy finance and agricultural insurance system to support is not enough, the rural financial ecological environment dysplasia.Facing the problem of rural financial development in Yunnan Province, can learn from other local development experience, in order to obtain the solution. This paper selects Japan, Germany, South Korea, India, America five rural financial system more perfect state, analyzes the development mode of rural financial system, and summarizes the development experience, for reference.On the basis of the above analysis, this paper aimed at the problems facing the rural finance of Yunnan Province, put forward countermeasures and suggestions, that can take the following measures:first, optimization of rural financial structure; second, accelerate the development of small loan companies and rural small and medium-sized financial institutions; third, treat correctly, standardize and guide the development of rural non formal finance; fourth, to take measures to solve the problem of insufficient rural financial services; fifth, accelerate the development of agricultural insurance; sixth, improve the market-oriented rural rates; seventh, play the positive role of government in the rural financial system.