Research On The Problem Of Rural Credit System Under The Macro Control

2004-2015 Chinese central government for twelve years Post agricultural economic development as the theme of the first document, and a number of macroeconomic policies to support the development of agricultural economy, which shows the development of agricultural economy has become China’s economic development a top priority. However, these embodiments and implement macroeconomic policies need to support the improvement of the rural credit system. In rural financial institutions financing capabilities continue to increase, state funds and related financial policies tilted to agriculture, supply capacity of agricultural development funds also increased at the same time, growth lag is still slow, This is in addition to historical factors, the imperfect rural credit system is also bound by rural development funds is an important aspect. Improve the rural credit system, optimizing the rural credit environment, is an effective way to ease the bottleneck of China’s rural financial development, but also an important factor to promote the development of agricultural economy, while only improve the rural credit system, in order to ensure that national agricultural development Macro regulatory policies are effectively implemented.Throughout our country’s rural credit system, although made in the promotion of national policies some achievements, but because of the weak foundation of rural credit, related to system construction and operation mechanism is still in its infancy, which makes the existence of the credit system in rural areas many issues to be resolved. The uncertainty in rural production increases, frequent trading, and trading in the range of growing conditions, to make China’s rural economy has developed rapidly, and to achieve sustainable development, the urgent need to improve the health of rural credit system to escort this, establish and improve the rural credit system, has become one of the major research topics in front of the national government and theoretical researchers.The rural credit system by analyzing the problems of our country, drawing on the experience of developed and developing countries, the question of how to improve the rural credit system in China’s. The full text of a total of seven parts, specific sections are as follows:Chapter 1:The paper introduces the research background and significance of the topic, country, internal and external literature review and research content and methods overview of the whole thesis; Chapter Ⅱ Rationale:This chapter first macro-control, credit, rural explain the concept of credit, system, etc., and this article is mainly applied to a comprehensive introduction to the theory; Situation Chapter Chinese rural credit system:each chapter on the subject of rural credit system, credit environment, the credit system and legislation status quo has been described, introduces the overall operational status and the actual situation and the state of development of all aspects of rural credit system; Chapter rural credit system Problems and Analysis:China’s rural credit through the previous chapter described in this chapter stocktaking system out of the main causes of problems each credit, credit and other aspects of the legislation, and problems are analyzed; empirical analysis Chapter foreign rural credit system:This chapter begins for the United States, Germany, Japan and other developed countries the relative maturity of the credit system was introduced, and analyzes the implications of these successful experiences to improve the rural credit system, then the credit system in India and other developing countries were, due to similar economic level, some common experience is worth learning; Chapter Ⅵ of the rural credit system to improve macro-control under the Action:How this chapter means of macroeconomic control measures and suggestions to improve China’s rural credit system from a macro perspective, respectively from the proposed use of macro economic and legal means and administrative means three control means to improve the rural credit system of the method of countermeasures; Chapter Ⅶ of the whole chapter presents conclusions and prospects. It summarizes the role and direction of development of rural credit system of each subject, and I hope this article on the "three rural" development theory play a supporting role.Innovation of this paper is that precedent of itself does not have a comprehensive rural credit system, China’s current financial credit system, especially credit evaluation criteria, the starting point of the design is mainly developed in accordance with the status of urban economy and credit development, and according to at present the characteristics of China’s rural economic development, specifically for the credit evaluation mechanism of agricultural enterprises and farmers has not been established, and relevant policy is not comprehensive enough, so that when financial institutions with services to the city’s credit evaluation criteria and credit system to deal with rural when credit problems, are often uncomfortable symptoms, it can not effectively serve the rural economy, but also makes the country to help peasants policy are not well implemented, affect the implementation of national macroeconomic policies. From rural objective reality, through the existing system of rural operating mode analysis, we found that the main problem in drawing national development on the basis of experience to improve the rural credit system in China has proposed a number of innovative proposals.