Problems And Countermeasures Of Construction Of Rural Financial System In Anhui Province

China has held several meetings on the issue of agriculture,rural areas and farmers,and issued a series of document No.1.In 2008,the Central Committee made document No.1 clear for the third time.The document emphasizes the concept of integration between urban and rural areas and proposes specific arrangements for the new pattern of economic and social development.We need to step up efforts to build new rural areas.The focus of financial reform is nothing more than the reform of the system.Urban financial reform has gradually matured.At present,it is the rural part that really restricts the process of financial reform.Financial reform also plays a prominent role in the political,economic,social and cultural development of rural areas.Around 1980,the Agricultural Bank of China and the rural credit cooperatives were separated from administrative relations.This separation was not only an administrative separation,but also included changes in the supervisory functions and specific administrative agencies.The initial formation of the rural financial system was marked by the stripping period of agricultural banks and rural credit cooperatives,that is,from 1979 to 1984,followed by the gradual reduction of the business of workers and peasants in the rural market,and the period when credit cooperatives became the main force,that is,from 1997 to 2005.Credit unions that meet the conditions for the reform of rural commercial banks have also made changes since then.In 2007,China held a conference on financial work.The financial conference is a symbol that marks the next step in rural financial reform.After 2010,at the financial conference,financial researchers successively proposed the idea of carrying out inclusive finance in rural areas.After that,China's rural financial reform began to enter a completely new stageIn recent years,our province has actively carried out rural financial reform,accelerated the construction and improvement of the financial system,gradually raised the level of rural financial services,optimized the rural financial ecological environment,and led the country in a number of tasks.It is also because a series of more advanced initiatives are called the "Anhui model." However,these welcome positive changes do not mean that the current rural financial reform in Anhui Province has matured.On the contrary,a series of problems arising from the implementation of the reform have not been ignored,and Anhui rural financial reform is still the weakest link in the construction of the Anhui financial system.Before writing this paper,the author has studied the outstanding papers in this field at home and abroad,and found that the more in-depth research focuses on the commercial value of rural finance,the organizational structure,or the establishment of a rural financial system.Or concentrate on specific modules,such as the credit system,the guarantee system,etc.,or focus on specific cities,towns and villages based on the smaller ones.There is not much space for the analysis and reform of rural finance at the provincial level.So the author decided to start from the practice of rural financial reform to see the gains and losses in the development of rural financial system.This paper is divided into five parts:The first part of the introduction,mainly describes the background and significance of the research on rural financial system in Anhui,the review of related studies at home and abroad,as well as the structure of the paper framework and the content of the research methods.The second part is the related concepts and basic theories of rural financial system,such as rural finance,rural financial system reform,agricultural credit subsidy theory,agricultural Jinrongshichang theory,etc..These theories are introduced and explained in detail.The third part summarizes the basic situation of Anhui rural financial reform,including development review,measures taken,achievements and accumulated experience.The fourth part intends to analyze the existing problems and reasons.It mainly analyzes the development of rural amount and the threshold of rural financial market access,the weakening of some state-owned banks,and the ratio of county loans to loans.The fifth part mainly introduces the good practice or experience at home and abroad,and intends to study the rural financial reform in Lishui,Zhejiang and Xinjiang.The sixth part,aiming at the existing problems in rural financial reform,puts forward a series of measures to solve them.These measures include provincial policies such as increasing credit support for modern agricultural development,expanding direct financing channels for modern agricultural enterprises,and improving the rural financial organization system.There are also local agricultural enterprises and financial institutions to accelerate the promotion of innovation in rural financial products and services,and so on.I hope that these measures will effectively improve the practical difficulties in rural financial reform.