The Research On Current Situation And Countermeasures Of Chinese Rural Financial System

It is of great significance to research the reform and development of rural financial system in the transitional period of China. By comparing with the foreign rural financial system, learn the advanced experience and system, to promote the rational allocation of Chinese rural resources actively and efficient use, to promot the healthy development of the rural economy greatly. Based on the analysis on the defects of Chinese rural financial system, studied and compared the characteristics of rural financial system in foreign countries, and the useful experience to use for reference, in order to development and reform of China’s rural financial system to propose useful suggestions.This paper explains the basic concepts and theory of the rural financial system In the first, including the definition, function and demand of the rural financial system, this paper explains the reputation theory and game theory.Secondly, analyses the present situation and defects Chinese rural financial system, points out that the structure of Chinese rural financial system mainly includes the formal and informal finance, this paper analyzed the situation of the rural township enterprises and farmers China. It discusses some problems Chinese rural financial system, including the regional imbalance and disorder, lack of resources and asymmetric, and financial supervision and the lack of ability insufficiency.Third, introduces the status of foreign rural financial system, point out the main characteristics of foreign rural financial system. In developed countries, analyzed the current situation USA, France, Japan and other countries of the rural financial system, this paper expounds the legal system of developed country is complete, good external environment and strong supervision, etc. In developing countries, mainly discusses the different characteristics of India, Brazil and Southeast Asia and other countries and regions of the rural financial system, to their credit, agency system is complete, efficient and features are elaborated.In the end, to put forward the corresponding countermeasures and suggestions of the rural financial system reform in China, including the construction of diversified financial organization system, establish a good regulatory environment law, the development of rural cooperative finance, and establish a Chinese characteristics of rural insurance system.