Research On Development Of Rural Finance In Taian

In recent years, with the rapid development of the rural economy, rural financial markets become increasingly unsuited to the requirements of economic development, which is becoming a more important factor restricting the development of the rural economy.Tai’an City will vigorously develop tourism as well as industry, but also play a good role in promoting rural financial markets to local economic development. So an urgent task put in front of us is that we must research and analysis the rural financial market, identify its characteristics and existing problems, explore ways and countermeasures of rural financial market reform. This paper sets the rural finance, Tai’an City, Shandong Province as the research object, this paper consists of five parts: The first part introduces the research background and research object of this paper, which analyzes the innovation and research status of rural finance and article and deficiencies;The second part describes the theoretical basis of rural finance research;The third part analyzes the current development of rural finance of Taian City. The research shows that the size of the rural finance development of Tai’an City continues to expand, rural financial system continues to improve, rural financial services continue to enhance, types of loans continues to grow, the scale of farmer cooperatives continues to expand, rural insurance continues to develop. The fourth part analyzes the outstanding issues and the reasons for the rural financial development of Tai’an City. Research shows that the main problem is inadequate supply of funds, low coverage of network, less perfect of the financial system, insufficient of the market competition, not enthusiastic about business innovation in agriculture-related financial institutions, low using of financial infrastructure, indispensable of cooperatives which did not obtain legitimate business status, unreasonable of agriculture loans resulting in artificially overdue loans, single model of guarantees leading to slow development of insurance and reinsurance. The reason is that the loans and profits difficulty is relatively large, the rural financial market defects and capital demand, private finance financing is out of scope, social impact is growing, related measures is imperfect. The fifth part introduces the domestic and foreign advanced experience in rural finance, from which we can learn. The last part analysis the previous text and propose suggestions on how to promote rural financial development Tai’an City, including the construction and innovation of formal rural financial system, the encourage and support the establishment of new rural financial institutions, the development the application of household financial products, the establishment of rural insurance market mechanisms, and provide compensation mechanism for agricultural inputs.