Research The Problem Of Regional Rural Credit System Construction

Credit,which is formed by the economic and social development to a certain stage of social relations,mainly reflects the status of the debtor to perform the contract in the lending relationship.Credit system,as a step by step,which is based on the development and deepening of credit activities of formation of the system arrangement,to achieve social information symmetry between different subjects,which have the effect of incentives,constraints,and risks.Set up perfect credit system,to promote the social economy,especially the development of the financial sector,will play a role based security.In recent years,along with our country rural economic and financial development and the advancement of socialist new rural construction,the government related preferential policies introduced gradually in rural areas,agricultural industrialization,increasing demand in rural areas,to effectively solve the "agriculture,rural areas and farmers" question,must improve the rural financial ecological environment and improve the rural financial service level.Since 2009,the people’s bank of lishui city center branch in accordance with the "government leadership,leading and participating the pedestrian,multi-party benefit",the working train of thought of to "credit for farmers" as the goal,from farmers with credit information collecting and credit rank evaluation,comprehensive rural credit system construction,to strengthen the financial support the development of the "three rural" achieved good results,gradually formed a "lishui model" of the construction of the rural credit system.Practice,not only effectively solve the farmers’ difficulty in getting loans,reduces the cost of financing of farmers,optimizing the rural financial ecological environment,improve the whole ideological quality of the villagers,implements the rural economic development and the construction of spiritual civilization.In March 2012,approved by the people’s bank of China and the people’s government of Zhejiang province,to carry out the rural financial reform pilot in lishui city,Zhejiang province,pilot requirements to further improve the rural credit system construction,in accordance with the market economy law of development,through system reform and policy adjustment,gradually break the farmers "loans difficult" and "difficult to bank loan" problem,promote the rural economy healthy and rapid development.But in practice,the rural credit system construction is faced with how torealize the sustainable development.How to enhance the linkage of the government?How to perfect the policies and regulations? How to promote transformation of the rural credit system construction achievements? Have become on the rural road construction of credit system needs to solve the problem.This article first summarizes the research background and significance,combing summarizes the research situation of the rural credit system construction and the research train of thought in this paper.Theoretically,the research direction of the rural credit system construction at home and abroad,main patterns and characteristics of induction,also elucidated.Think that the rural credit system construction with strong local characteristics,the combination of government leading,market management mode is more suitable for China’s national conditions,operational stronger,is suitable for the regional rural credit system construction research of the problem.In this paper,based on the theory of public policy,etc,using the research methods include quantitative analysis,investigation,comparative analysis,etc.Secondly,the basic situation of the rural credit system construction of lishui city as the main object of study,to carry out the present situation of the rural credit system construction as the foundation,from the realistic background of lishui in the rural credit system construction,expounds the main methods of lishui rural credit system construction and results,and further analyzes the main problems existing in the construction process.Thought to have existed in current rural credit system construction,policies and regulations is not sound,government support to increase information sharing and departmental linkage and the silver need to be strengthen to cultivate and the good faith propaganda,market mechanism and incentive mechanism needs further perfection.Again,through the analysis of foreign government leading mode,market leading pattern and industry association,Shanghai,shenzhen,zhejiang of domestic model of advanced experience,think perfect credit laws and regulations is effective in the development of credit system.Our country should according to the national conditions and the reality in rural areas,flexible to absorb the successful experience of various patterns,adopt the mode of operation of the government leading,market promote the rural credit system construction.Finally,according to existing problems put forward the policy Suggestions for the sustainable development of regional rural credit system construction.Think rural environment is complex,unfavorable use single development mode,the government-ledmode,increased collaboration between government departments,work together to build rural credit system.At the same time,in the perfect policies and regulations,credit information management,market-oriented operation mechanism,the good faith education,social management etc,concrete Suggestions are put forward.The conclusion and prospect are mainly summarized in this paper,and put forward the future research prospects.Innovation point of this paper is to select the research object is in the national representative and has formed its own development with advanced mode of the rural credit system construction situation of lishui,and the main construction mode at home and abroad are compared and analyzed,which is relatively mature model as the specific direction of improving regional rural credit system construction,and connecting with the concrete conditions in the rural areas,more operational improvement countermeasures are put forward.