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Research on the Reconstruction of China’s Rural Financial System

Author: HouYing
Tutor: WangJianDong
School: Jilin University
Course: Finance
Keywords: Rural Financial System Demand Reconstructed Diversification
CLC: F832.7
Type: Master's thesis
Year: 2005
Downloads: 641
Quote: 5
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Abstract

With the rapid development of Chinese rural economy and the quick adjustment of the agriculture industrial structure, the higher requests for rural finance service are put forward. But the present function of rural finance industry is fairly less perfect: weak supply ability for fund, less services types and low-level service from the rural finance organization, as a result, many peasants feel dissatisfied with the requirements for diversified economy. Based on the analysis of the current condition and reasons of rural financial system, this article proposes the target and principles of rebuilding a new rural financial system, also reconstructs the new rural financial system and gives political suggestions on it This article consists of 5 parts: Part 1 rural financial theory. This part introduces the rural financial theories: Subsidized Credit Paradigm、Rural Financial Systems Paradigm and Imperfect Competition Theory, and compares three kinds of the theories. Considering the actual condition of rural economy, we should give more attention to Rural Financial Systems Paradigm and Imperfect Competition theory. Part 2: The present situation of rural financial system in China. After a brief review of the history of the institutional reform of rural finance, it inspects the current situation of rural financial system in China, and then thinks that, at present, the development of Chinese rural financial system is insufficient and inefficient .The risk is relatively bigger than before, and the rural financial system is fragile too. So we have a conclusion that because the rural financial system is imperfect, it couldn’t satisfy the various demands of financial service in rural economic development, and it constrained the development of rural economy too. Correspondingly, the slow development of rural economy and the impartial policies also constrains the rural finance development。In the whole, the reason why rural financial system in China is imperfect is because of the inadequate supply of institution’s problems. In China we always put the entry of rural financial institutions under strict surveillance. The government single-handedly cultivated these present rural financial institutions, which are unsuitable for those rural economic principal parts’ demands for financial service due to the inadequate participation of rural economic player. At last the author point out that we must jump out old already existing reform thinking, should pay more attention to bottom to top reforming and rural financial demand, take rural financial demand as the direction, carrying on the reform of the rural financial system, reconstruction China’s rural financial system. Part 3. Subdivided the rural financial demand of our country. It is studied by three angle: rural financial demand subject、rural financial demand object and rural financial Intensity demand. Through analyzing the rural financial demand subject, knowing that because of their own characteristic, cause the level of their demand; the ways meeting their demand are different with each other. Anykind of financial institution is able to meet a part of diversified demand on rural financial services not the all, So it’s needful that multi-level financial institutions coexist and cooperate with each other; Analyzing the rural financial demand object, knowing rural financial demands are varied, are changing and developing constantly, To create variety financial products to meet the rural financial demands, it not only need multi-level financial institutions, but also need a good environment helping the institutions to innovate new financial products. Through an analysis of intensity of demands, drawing the rural financial demands include not merely financial demands of reality, but potential financial demands. It’s necessary that financial institutions have innovative mechanisms, to create new financial products and guide such potential demands. Part 4 rebuild new rural financial system. Create foundational environment and conditions to Chinese rural financial system construction is very important. First this section expounds that we must regulate motive financial foundational facilities, provide good social economic environment and facilitated policies for rural financial system in order to perfect. Which need the stability of the macro economy, good policy environment, supporting law, strict supervision, and government interference in the financial market should be in order. Second this section expounds how to rebuild the rural financial system. Which is studied by two parts: the reform and innovation of the existing financial institutions and development of the new-typerural financial subject. The commercialized reform of Agricultural Bank of China (ABC), the tactics of its retreating the rural area are correct. At present, what the ABC needs badly is to devote more efforts to reforming in commercialization further, perfect company’s administration structure, make it really become a good operated commercial financial institution. Along with the development of China’s rural economy and further deepening of the reform on the grain and cotton circulation system in recent years,the business of Agricultural Development Bank of China(ADBC) is sharply shrunk,and a transition of system and mechanism of ADBC is silently on-going。Rebuilding the ADBC into rural credit guarantee bank is the realistic option of institutional arrangement of China ‘s rural policy finance. The reform of rural credit cooperatives (RCCs) is an important component of our country’s rural financial reform. First, the reform of RCCs should be weakened the formulations that have obvious policy financial service such as " RCCs is a mainstay of the rural finance " " RCCs is mainstay of the rural financial service for peasants and rural enterprises “. Especially avoid administrative”supporting agriculture by re-lending " and imputing to RCCs by force impractically. Second we should change the reforming way (from top to bottom) of RCCs at present, and allow every area itself to find out the development model of RCCs. Develop the new-type rural financial subject. First we should establish the rural Cooperative financial organizations. Cooperative

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