Research On Rural Financial Supply System Of Policy Banks

China's rural financial services report(2016)issued by the central bank pointed out that,as a whole,China's rural financial system is constantly improving,the coverage of rural financial services is also expanding,rural financial sustainable development capacity has also shown significant enhancement.Rural finance plays a very important role in promoting the development of agriculture,countryside and farmers and increasing farmers ‘income.Relevant data show that by the end of 2016,the total amount of agriculture-related loans has increased from 6.1 trillion yuan at the end of 2007 to 282.2 trillion yuan,and the proportion of all loans has also increased to26.6%.At the same time,the state also attaches great importance to the important role of Finance in serving agriculture,rural areas and farmers,and takes promoting rural financial innovation as an important direction of work,stressing the accuracy and effectiveness of financial poverty alleviation;increasing the use of financial scientific and technological means to promote the rapid development of inclusive finance,making financial services available and satisfactory degree and so on have been greatly improved.But affirm the achievements of rural financial development,but also need to recognize the problems in the development of rural financial markets,supply and demand imbalances have not yet been effectively solved,the depth andbreadth of rural financial services have great room for improvement.All along,"agriculture,rural areas and farmers" issue is an important issue related to rural economic development,agricultural development,rural economic growth,and farmers ‘income.The "three rural" problem can not be solved without the investment of funds,but overall speaking,China's rural economic development level is still low,rural financial capital needs only rely on the accumulation of rural economic entities is difficult to meet.Therefore,it is necessary to reform and innovate the rural financial system.However,due to the imperfection of the rural financial market mechanism in China,the rural financial supply can not reach the optimal allocation in the short term only by relying on the market mechanism.The government also needs to take the rural financial supply as a public service to provide support.Therefore,all the state-owned banks must give full play to their financial supply responsibilities.Let.In order to make the demand for rural financial services can be fully met,the total amount of rural financial supply continues to improve,the demand for rural financial products suitable for farmers continues to increase.Although China has made a series of achievements in rural financial reform,there are still many problems in practice,including the low level of rural financial services,the lack of suitable varieties of supply for farmers and other issues.Therefore,this paper takes Zhejiang Province as an example to analyze the current situation of China's rural financial supply.Firstly,this paper expounds the background and significance of writing this paper,summarizes and analyzes the relevant literature at home and abroad,determines the writing ideas and main research methods of this paper;then,it explains the related concepts of rural financial supply,including the connotation and basic characteristics of rural financial supply;and then on This paper analyzes the current situation of the development of postal savings bank in Zhejiang Province and the basic situation of serving rural finance.On this basis,it analyzes the existing problems and causes.Finally,it puts forward corresponding countermeasures on how to improve rural financial supply services.The main conclusion of this paper is that the overall situation of China's rural financial supply needs to be improved urgently,the rural areas have not yet established a goodfinancial ecological environment,rural financial credit risk problems are more prominent.To solve these problems,the government,formal financial institutions and informal financial institutions are required to work together to create a good rural financial ecological environment,improve the quality of rural financial supply,and promote the healthy and stable development of rural economy.It is hoped that this study can provide some reference for improving the current situation of rural financial supply,so as to promote the healthy and positive development of rural finance.