Unscrambling the problem of rural financial reform in the national financial work conference

The reform of rural finance has always attracted everyone's attention, although in recent years the central bank and other regulatory authorities have taken a number of measures to promote this reform, but have had little success. The country decided to take a number of practical measures to promote rural financial reforms.

At the financial work conference, the state decided to implement an overall restructuring of the Agricultural Bank of China, mainly serving farmers, rural areas and rural areas.

Lin Yifu, director of the China Center for Economic Research at Peking University, said: "The Bank of China, ICBC, and CCB are banks based on urban and industrial development. The rural areas do need a large bank for rural areas."

At present, almost all four state-owned commercial banks have already withdrawn from rural areas. The rural financial institutions are mainly rural credit cooperatives and agricultural development banks. Due to the lack of rural financial institutions, large amounts of funds have flowed out of rural areas.

Chen Xing of Paris, France, said: "Not only has the city's funds not gone to rural areas, but a large amount of rural capital has come out. It is necessary to do at least how to keep rural funds in rural areas and then attract city funds to rural areas."

The financial work conference has determined that it is necessary to improve rural financial organizations and give full play to the role of rural financial organizations such as commercial and policy. In other words, for large-scale rural water conservancy construction projects, large-scale commercial banks such as ABC can be used. For medium-sized township and village enterprises, rural credit cooperatives can be used. For rural households, microcredit can be used, and more importantly, innovative ways can be adopted. Farmers need their funds.

Lin Yifu, director of the China Center for Economic Research at Peking University, said: "Because there are few things that can be mortgaged in agriculture, we must break the mortgage-based credit method in the past, and we should have some innovations. According to the project's cash flow and according to the lender's credit status, Loans. The rural economy has developed, and the urban-rural income gap has shrunk. This has great benefits for building a harmonious society."

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