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张掖翻译公司关键字：5, to build and develop the rural non-financial system, bring private finance to the rural formal financial arrangements at the supporting role.
From an economic point of view, built on the blood, kinship, geographical and other social relations on the basis of informal financial arrangements with rural folk a considerable degree of efficiency and rationality, can strengthen the guidance, supervision and management of the premise into the legal system, appropriate given the development of space to play in the rural financial system in the complementary and supportive role. Informal finance is currently the largest of the rural development part of the credit support. Simply that it is unreasonable to informal financial illegal, banned is banned simple misunderstandings. Informal finance in the framework of the existence of a certain order, were necessary and reasonable. In a closed rural community, because low mobility inside and outside the community, as long as the popularity of informal financial relationship between the geo-operate on the basis of blood, full use of social networks of interpersonal trust and social exclusion, the informal sanctions regime, and its development very impressive. Rural communities in the relatively open, due to the higher mobility inside and outside the community, trust and informal sanctions alone are not enough mechanisms, which requires certain types of informal financial framework should operate under a formal order to achieve part of the formal of even completely formalized. If in a closed rural community well-known that people can rely on their local knowledge to the operation of informal finance, then in a more open rural communities, people not only need to use local knowledge, regulations and policies also need to use the kind of global knowledge, to reduce financial risks. In the informal financial regulation, monetary authorities can play an active role, not forced or simply formalize completely banned, but should reduce their risk, while maintaining its vitality. For example, the central bank sets the interest rate is higher than commercial bank lending rates more than four times the only private loans should be the fight of "usury" interest rates below the "usurious" interest rates, private loans, in principle, can be used to protect the civil law, especially in the disputes occurred in the case of loan default. Commodity economy is not yet developed in China's vast rural areas, social relations, not only is not an obstacle to economic exchange, but the driving force for the promotion of economic exchange. Established on the basis of social relations in rural areas is an effective non-financial institutional arrangements, with a reasonable survival, should strengthen the guidance and supervision under the premise of allowing development to compensate for the lack of rural formal financial arrangements.
6, selecting the right carrier framework of credit support for agriculture, improve rural financial support agricultural industrialization benefits.
The merits of rural credit carrier, whether directly related to the loan principal and interest due return to their operating efficiency and rural finance good or bad. Financial support for industrialization in rural areas, rural areas, according to the characteristics of resources, resource development, based on market demand, economic efficiency as the core, according to local conditions to cultivate good credit carriers, targeting the major rural industries, specialty agriculture, science and technology in agriculture, leading enterprises, focus on agricultural credit funds to support, full credit "glue", "catalyst" role, to expand to all areas of agriculture, industry and all aspects of production and management, agriculture and improve operational efficiency for the best integration point, the merit-based support. (1) to support the rural financial sector should focus on "leading" business development, in order to play in the industrialized operation of agriculture in the demonstration, take the lead role. Development of agricultural industrialization "leading" enterprises is the key. Rural finance should always adhere to the support of "leading" enterprises to support the focus of agricultural industrialization. To break the industry, industry and ownership boundaries, from the state-owned, collective enterprises, township enterprises, supply and marketing enterprises, private enterprises, cooperative enterprises, joint-stock enterprises and other existing economic sectors, select those with a wide area of ??agricultural industrialization, driven by strong , operating a large scale, financial strength, excellent cost-effective, anti-risk ability, and with the agricultural production base and related enterprises to build a stable economic relations between the credit support to enterprises as the backbone of the focus. (2) rural financial sector should support the "dominant" industrial development, to promote the development of agricultural industrialization. Part of the development with local characteristics and advantages of the leading industries are agriculture, industry and business hub of relying only around the leading industry, the product scale, series of agricultural production base in order to promote the industrialization of the final formation of the organization, the success of industrial management of agriculture the fundamental. Therefore, the rural financial sector in supporting the industrial management of agriculture, agricultural products must support the base as the key to the development of leading industries to support. According to regional distribution, specialized production requirements, and actively participate in the correct selection of local leading industries. To promote the development of leading industries gradually to the region's agricultural production specialized, intensive, scale and direction of social development services to accelerate the pace of development of agricultural industrialization. (3) the rural financial sector should actively support the development of agriculture science and technology to enhance the potential for industrialized operation of agriculture. First, select those operating large-scale, high-tech products, good quality, good efficiency, production and operation of specialized households and honest to actively support scientific and technological demonstration households. And to the amount of money on behalf of its production scale and production capacity of operators to adapt to ensure that industrial management of agriculture and the rural financial sector, its effective implementation. Second, select the new rural emerged as a credit to support a variety of objects and Technology Association, to support them to establish a cross-households, inter-village, township of technical service network, and through them with information, technology, marketing and other communication and support services, promote the formation of scale commodity production. The third is to choose the appropriate loan conditions, strong technical force, outstanding achievements in business, good economic returns of agriculture research and new technology promotion agencies to be enthusiastic support, promote agricultural high-tech industries and the establishment of regional carrier system of agricultural scientific research and the formation of to improve agricultural extension services, and thus accelerate the development of agricultural industrialization process. (4) the enthusiastic support of the rural financial sector should be the regional characteristics of agricultural development in order to highlight the characteristics of the local agricultural industrialization. China's vast rural regions of the natural conditions, geographical features, the level of economic development are quite different, which determines the parts of the rural financial sector must support the industrialized operation of agriculture from the county love for his homeland, village conditions, household conditions starting to support its play to their strengths, market-oriented agricultural development of local and regional unique characteristics of industrial products, to create a regional comparative advantage, and gradually form a dominant regional characteristics of agricultural products and agro-industry. And to focus on support for planting, breeding, recreation, ecological protection, resource development as one of the ornamental agriculture, ecological agriculture development, the formation of distinctive regional agricultural structure, so as to promote sustainable development of agricultural industrialization.
7, standard and innovative rural financial regulatory system.First up to the central government (including regulators) led to the provincial government regulatory changes led to a regional monitoring, supplemented by the central government to provincial government the regulator. This is an emphasis on province-based rural financial regulatory idea, is China's rural financial needs of the diversity and disparity of regional differences in the decision. The central government's financial regulatory and supervision should be access to rural finance authority, and gradually transferred to the provincial financial regulators, especially in rural areas which play a regulatory role of private finance, to enhance their guard against financial risks of the region and enthusiasm, scattered the country's financial risks. Second, the shift from compliance-based supervision and risk prevention combination of regulatory efficiency, will improve financial regulation and financial innovation combine to encourage and strengthen prospective study of financial innovation and financial risk early warning prevention. In maintaining the overall stability of the rural credit cooperatives, in regulation, content regulation, regulatory measures and other aspects of innovation, let to the development of rural credit cooperatives. Where appropriate, increase rural credit cooperatives in employment, network settings area of ??autonomy; appropriate to increase its deposit and lending interest rates in the period of autonomy, enhance their self-development; appropriate business tax relief for rural credit cooperatives, income tax, interest tax savings, relaxation of restrictions on loan losses written off; allow better conditions of access to capital markets, rural credit cooperatives; rural credit cooperatives in accordance with a certain percentage of revenue, to extract the risk guarantee fund, and allows pre-tax, the establishment of rural credit risk reserve the system. Third, from a focus on market access and post-regulation, to market entry, market exit and market operation of the combination of full regulation.
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