The Research of New-type Rural Financial Institutions Development in Our Country
|School||Guizhou College of Finance and Economics|
|Keywords||New-type of rural financial institutions village bank microfinance company the rural credit union founds developing strategy|
For "three agriculture" supply enough effective financial services, compensate for the blank of rural financial services, the key problems which must be solved to promote the development of rural economy. The new-type of rural financial institutions practice and development and this provides new ideas to solve this problem. This paper studies the new-type of rural financial institutions including village bank、loan companies and the rural credit union founds and microfinance company. New rural financial institutions have the dual system advantage. On the one hand have formal financial institutions organized and normative; On the other hand, which has advantage of information symmetry, flexibility and low transaction cost informal finance. New-type of rural financial institutions can effectively guide overseas bank capital, industrial capital and private capital to rural areas,and a way for non-regular finance. Meanwhile, the development of new-type of rural financial institutions has played an important role in promoting the rural economic development and support new rural construction of socialism.To study the development problem of new-type of rural financial institutions, we use theoretical research, comparative analysis, and literature analysis. First of all, To provide theoretical foundation by study theory; Secondly, the essay detailed analysis new rural financial institutions concepts, characteristics, the difference between the development of basic situation, operation mechanism and the problems existing in the development ; Then, to supply enough practice basis for the development of new-type of rural financial institutions, the essay study the practice development of grameen bank , India’s Regional Rural Banks and the bank of American potter Chester ; Finally, on the basis of the study, The innovative ways to increase rural finance are provided. The innovation of this paper mainly includes:First: the new rural financial institutions are analyzed by using game model, which provide theoretical basis of the operation mechanism for the new rural financial institutions.Second: This paper sees the new rural financial institutions in China as a whole. To study use them as a whole can comprehensively consider whether this kind of system innovation can truly make up the rural financial services blank, really can completely improve the rural credit environment.For development study of new-type of rural financial institutions , this paper has the following ideas: First, the development of a new type of rural financial institutions in the objective increase the depth and extent of the rural financial market , which played an important role in promote rural economic growth and support new rural construction.Second, the new rural financial institutions is a kind of system innovation, compared with the formal financial institutions, with information symmetry, flexibility and low transaction cost advantage.Third, the operating mechanism of new-type rural financial institutions is more agile diversity.Forth, there have many factors restricted the development of new-type rural financial institutions. due to the system arrangement or popularity no higher factors of new-type of rural financial institutions, the capital supply is not enough, especially the microfinance company; some new-type of rural financial institutions still use the traditional credit mode, innovation is insufficient; the ability of the staff in new type of rural financial institutions generally very low; The government support for new-type rural financial institutions is limited, financial support, tax incentives and other specific provisions are not yet available, relevant policy also does not reach the designated position, so far no conduct policy insurance.Five: In order to better promote the development of our country’s new type of rural financial institutions, we should expand its funding sources, improve the service level, set up a government risk compensation mechanism, strengthen talent team of professional construction and make the regulatory system more perfectly.