It is generally believed that rural financial services refer to various financial services including deposits, loans, settlement, insurance, futures and securities. , including both services provided by formal financial institutions and services provided by private finance.
The purpose of continuously strengthening and improving rural financial services is to provide a strong platform and channel support for the financial industry to increase financial services for agriculture, rural areas and farmers, and take this opportunity to promote the cultivation and development of multi-level financial markets and improve the financial service system. On the other hand, it has promoted the development of rural financial market and provided a strong financial guarantee for increasing farmers' income and accelerating the construction of new socialist countryside.
The financial institutions engaged in rural financial services in China mainly include China Rural Credit Cooperative, China Agricultural Bank, China Agricultural Development Bank, China Postal Savings Bank and rural banks. The financial system is mainly composed of rural credit cooperatives, state-owned commercial banks as the main body, and private lending as a supplement. As an important pillar of China's financial system, rural finance strongly supports the economic development in rural areas.
Rural financial demand in the process of urbanization from the perspective of supply subject
1, the type and quantity of financial institutions are required. At present, there are different types of financial institutions in China's rural financial system. Within the framework of formal financial service institutions, policy financial institutions mainly provide financial services for the production and construction of public goods, with the aim of eliminating the adverse effects of poverty on rural economic development.
2. Business requirements of policy financial institutions. Rural policy financial institutions should meet the demand of agriculture for financial services in two aspects. First, provide necessary financial service support for the production and operation of agricultural products, such as credit support, settlement support and agricultural product price support. In order to prevent the occurrence of "cheap grain hurts farmers".