The Research Of New Financing Model In Rural

Rural farmers, agriculture and rural small micro enterprise are always being faced with the problems of financing difficulties, and as is well known to us, the outstanding problems existing in the rural financial development are hard financing, high financing cost and much time needed. Rural financing problem has seriously hindered the economic development in rural areas. The main reason of getting the loan from the financial institutions is the lack of effective collateral and credit guarantee in rural areas. Therefore, in order to imorove the mode of collateral and credit guarantee,comprehensive innovation of rural financing mode is an imoprovant way to solve the problem of rural financing. China attanches great impotance to the development of rural financing and has taken various measures to improve rural financing environce.Impecially in recent years.China has taken many plocies to promot comprehensive revolution of the rural. Those new policies enacted by government create conditions to improve the rural financing environment, and also provided the promoting opportunities of the rural financial system reform.With the development of rural economy, rural comprehensive reform, as well as China’s banking reform in recent years, great changes have taken place in the rural village feeling,and it is difficult of rural traditional financing model to meet the needs of the rural development. The rural collective property rights system reform provides a new way of mortgage guarantee for rural finance; Banking reform has given rise to a batch of new rural financial institutions, which has been quietly changing the rural financial system; And with the longitudinal deepening development of the Internet financial, rural financing mode innovation based on Internet financial thinking is also a kind of thinking; In addition a new way of agricultural production has appeared in the rural,and it is necessary to build a new finacing model to adapt to the new production mode.Based on referring to a large number of data, in view of the rural collective property rights reform, the rural management system reform, the rural land reform and the rural financial system reform of rural financial environment in recent years, combining with the characteristics of rural financing demand,this paper analyzes new financing patterns in the countryside. The "new" of new rural financing model, mainly reflects the following aspects:in the countryside,the change of the way of financing collateral; as well as the appearance of some financial institutions that are different from traditional financial institutions in the rural financial market; the rural financing mode innovation along with the rural production mode transformation.