Management Results and Financial Status of Rural Collective Economy under the Background of Rural Revitalization

Based on the analysis of financial statements,the performance and problems of rural collective economic organizations in their business activities were analyzed.It is believed that rural collective economy was developing continuously in a good way,with strong debt paying ability,but the operation ability and management efficiency need to be further improved.The operation was too conservative,and the asset utilization efficiency and profitability were weak.There were many unnecessary liabilities,and they developed mainly relying on their own accumulation.Therefore,it is proposed to crack the"talent dilemma"of rural collective economic operation and management,straighten out and clarify the relationship between rural collective economic organizations and villagers self-governing organizations,correctly handle the relationship between collective accumulation and member distribution,adhere to the financial input of blood replenishment and transfusion,and make liabilities reasonable according to the management development.

An Empirical Study of the Allocation Efficiency of Rural Financial Resources in Hubei Province from the Perspective of Agricultural Loans

The incompatibility of China's economy and finance has to some extent inhibited the development of rural economy. Taking Hubei Province for example,we measure the allocation efficiency of rural financial resources from the perspective of agricultural input and output,and use the modern rural financial development theory to set forth some policy recommendations on how to build a new rural financial resource allocation system. Studies have shown that the allocation efficiency of rural financial resources is low in China,and improving the allocation efficiency of rural financial resources is the key to perfecting rural financial environment while increasing financial support for agriculture.

Measurement of Rural Inclusive Financial Development and Analysis of Spatial Effects on Anti-poverty

Based on two dimensions of supply and demand,we use six indicators to establish a rural inclusive financial development index and evaluate the development of China's rural inclusive finance. We use spatial panel data model to examine the relationship between financial inclusion and rural poverty. Results show that:( i) both the rural inclusive finance and rural residents' per capita consumption present spatial clustering feature and show significant spatial correlation;( ii) the development of rural inclusive finance has significant spatial effect on poverty alleviation along time and space dimensions. In this study,the paper puts forward policy recommendations on strengthening the rural financial resources flow and constructing diversified rural inclusive financial system.

Advances in Studies about Rural Financial Poverty Alleviation from the Perspective of Targeted Poverty Alleviation

With the objective of building a well-off society in an all-round way reaching the decisive stage,poverty alleviation enters the final stage,and rural financial poverty alleviation is increasingly becoming a hot topic of various circles of society. In order to accelerate the poverty alleviation and provide references and recommendations for further development of theory and practice of financial poverty alleviation,this paper made an overview of the organization system,operation mechanism and service products of rural financial poverty alleviation,elaborated the development path of financial poverty alleviation,and came up with recommendations for financial poverty alleviation.

An Empirical Study on the Revitalization of Rural Areas Served by Banking and Financial Institutions in Jingzhou City,Hubei Province

In the implementation of the rural revitalization strategy,the banking and financial institutions in Jingzhou City,Hubei Province,under the guidance of the Jingzhou Branch of the People's Bank of China,strive to improve and develop the financial service system adapted to the characteristics of the countryside in the new period.It has innovated financial service products,improved the quality and efficiency of financial services,increased financial support,and achieved remarkable results.On the basis of the investigation,combined with the relevant written materials and statistical data collected,this paper makes an empirical study on the reality of the city's banking and financial institutions serving the revitalization of rural areas.

The Difficulties and Mechanism Innovation of Constructing China's Rural Multiplex Financial System

This paper expounds the necessity of constructing China's rural multiplex financial system as follows.First,overcome the bottleneck effect arising from the shortage of capital in the process of development of rural small and medium-sized enterprise,and increase farmers' income;second,provide capital support for rural modern industrial development,and promote rural economic development;third,rationally allocate capital,master the money flow and coordinate urban-rural development.The paper also profoundly analyzes the difficulties of constructing China's rural multiplex financial system as follows.First,the existing rural financial system structure is irrational and the function is unsound;second,non-governmental financial market is disorderly and the organization is unsound;third,the rural financial system is simple and the overhaul of rural credit cooperatives system has not yet been done;fourth,the construction of rural system of financial laws and regulations is laggard,and the construction of rural multiplex financial system lacks good social environment.The specific thoughts,measures and countermeasures of constructing mechanism innovation of China's rural multiplex financial system are put forward as follows.First,increasingly perfect legal system and provide legal support for constructing China's rural multiplex financial system;second,quicken the overhaul of rural credit cooperatives system and perfect its function in China's rural multiplex financial system;third,strengthen the degree of support and development,and change the situation of simple structure of rural financial system;fourth,reinforce administrative supervision and perfect public services,and standardize the rural financial market order.

Estimating the effects of financial access on poor farmers in rural northern Nigeria

By recognizing the gap in the literature in examining the effects of financial resources and development outcomes at the household level,this paper examines whether the poorest income quintile would benefit most from programs aimed at increasing their access to financial services in rural northern Nigeria.Most households from this part of the world consist of farmers and,hence,are exposed to the vagaries of climate change.The data from 320 questionnaires administered in two rural communities(Rijau and Fakai)were analyzed using an ordered logit regression model.The results showed that access to financial services by using formal financial institutions and farmer savings clubs benefits vulnerable farmers(mostly women).The robustness check using the Brant test also confirmed that the parallel regression assumption of the model was not violated.A policy scenario that seeks to increase the delivery of financial services to rural farm households using community savings clubs and microfinance institution reforms for reaching the financially underserved was also found to benefit the poorest income quintile,hence,bringing them out of poverty.

Research on Financial Support for the New Types of Agricultural Management Entities from the Perspective of the Rural Revitalization Strategy

Both the escape from the predicament of traditional financial support in rural areas and the cultivation of new types of agricultural management entities underlie,at a micro level,the improvement of a new-type of agricultural management system,and offer an important guarantee for the implementation of a rural revitalization strategy.In reference to the demands of carrying out reform,activating factors,invigorating entities and stimulating markets during the implementation of this rural revitalization strategy,we are applying a financing preference theory that infers and analyzes the excessive preference for new-type agricultural management entities(family farms,specialized farmer cooperatives,specialized large family farms,and modern agricultural enterprises)regarding government subsidies(quasi-equity financing).Our analysis has identified crucial factors in the issue and predicts that government subsidies(quasi-equity financing)will crowd out financial support funding(quasi-debt financing),and we offer empirical proof obtained through statistical modeling.As our results indicate,financing costs,free cash flows,and the perceived income adequacy(PIA)of new-type agricultural management entities all have significant influence upon decision-making for debt financing by such entities.Therefore,with the concrete contents of the formulation of policies concerning the financial support for rural agricultural strategy,one not only needs to consider the further decrease of financing costs,but also should take into account both the designing of cash flow mechanism in the process of paying both principal and interest,and the improvement of bankruptcy rules for agricultural management entities to accelerate the transformation of family farms,specialized farmer cooperatives,and specialized large family farms,towards modern agricultural enterprises.Meanwhile,upgrades to the supply chains of the agriculture industry,improvements to the construction of the rural financial information system,building an accounting system that meets the requirements of the rural revitalization strategy,and giving full play to the policies for financial support,which assume an important role in activating factors and markets during the implementation of the rural revitalization strategy,are also anticipated.

Credit risk constraint mechanisms in rural financial reform

To research the operating mechanisms of rural financial reform, through setting up a contract model, the constraint roles of reputation and legal intervention on the default risk arising in the operating of the credit union funds are inspected. Analysis indicates that the increase in reputation cost can reduce the probability of union member default behavior and the probability of turning to the law for the credit union funds. Meanwhile, the amount of loans and the interest rates can increase the probability of turning to the law for the credit union funds. Below the marginal values, the penalty mechanisms can reduce the balancing probabilities of member default behavior and turning to the law for the credit union funds, namely, the penalty has some "substitution effect" for turning to the law for the credit union funds.

Factors associated with financial support in old age for young and middle-aged rural residents in China

This study examined the factors associated with financial support in old age from three primary mechanisms-personal savings,family support,and social insurance-to explore the implications for the future development of China's rural social welfare system.Cross-sectional surveys of 1392 young and middle-aged rural residents were conducted in July and August2012.The results showed that while social insurance was increasingly acceptable,personal savings and family support still had fundamental value.Combining the three mechanisms,the rural old-age welfare system presented nontraditional features.China's new rural endowment insurance is discussed as a means to address the need for financial support among the rural aging population.

Analysis of Heilongjiang Province New Rural Construction Financial Backing

解决社会主义新农村建设中的资金问题是关乎新农村建设的关键。深化农村金融改革与创新，建立分工合理、功能齐全、辐射全面、互助互补、适合黑龙江省新农村建设要求的农村金融体系，加快业务经营战略转型，改善新农村建设信贷资金供需矛盾，是推动黑龙江省社会主义新农村建设的关键。

Research on the Development of City Financial Systems under the Rural Revitalization Strategy

The implementation of the rural revitalization strategy can provide a better solution for problems such as the“three rural”development limitations and the imbalance of urban and rural economic development as it is the key to comprehensive building of a well-off society.Based on Linhai City’s finance status,this article analyzes the financial needs of the city for a better economic development under the rural revitalization strategy which prioritizes the policy of building a city financial system.The city’s financial system should be organized in a multi-level stucture for better economic development.This will improve the credit system of villages and towns,strengthen agricultural product innovation financially,and improve the finances of rural residents.

Economic Effect of China's Rural Financial Market Growth during 1952-2013

Through study,it is found that since 1952,there has been a long-run equilibrium relationship between China's rural financial market growth and rural economic growth,the government-led rural financial market growth has effectively supported rural economic growth,and increasing the farmers' financing ratio has always helped to boost long-term growth of the rural economy.However,dominated by market mechanism from 1978,there is only one-way support relationship:rural economic growth brings about quantitative growth of rural financial market.

The Problems of Coordinating Urban-rural Development of Chongqing City and Corresponding Measures of Financial System

The thesis researches urban-rural coordination which is incorporated into the framework of "agriculture,rural areas and farmers",and it focuses on farmers' human resources development,agricultural industrial adjustment,rural regional coordinated development and so on.The main problems existing in the process of coordinating urban-rural development of Chongqing City are discussed under the foregoing framework.We find that input and flow direction of capital deviating from "agriculture,rural areas and farmers" is the direct cause of insufficient rural educational input,insufficient agricultural input,and irrational rural input,while the fundamental reason lies in the irrational financial policy.Based on this,the measures of innovating upon financial policy and financial system are put forward.

Evaluation and Optimization Approaches of Rural Financial Ecological Environment in Hubei Province

Agriculture is the foundation of national economy,and the quality of rural financial ecological environment determines the level of rural economic development. At the same time of making outstanding achievements in rural financial reform,there are still many problems in rural financial ecological environment. Taking Hubei Province as an example,this paper summarized existing problems from current situations of rural financial ecological environment,and finally came up with pertinent recommendations.

Positioning for the Development of New Rural Financial Organizations

Based on regional differences,differences in the content and scale of economic activities,we analyze different levels of rural financial needs in China,using the system analysis method.Different types of financial need subject have characteristics of diversity and hierarchy in terms of financial needs,in need of different credit patterns and credit mechanisms for satisfaction.Based on this,we position the differentiated development of new rural financial organizations as follows:village and town banks should be established in the central and west regions and counties with the proportion of primary industry higher than the national average,to actively innovate upon loan types,support maintenance-oriented farmers, market-oriented farmers and small and medium-sized agriculture-related enterprises;loan companies and small loan companies can be established in the regions with the potential for development,lacking collaboration between economy and finance,to constantly explore the loan types and innovate upon the loan patterns for self-employed households,micro-enterprises and farmers;it is appropriate to establish rural credit union in the poverty-stricken areas with sluggish economic development and relatively isolated remote areas,to provide services for farmers and micro-enterprises, especially impoverished farmers,provide the business such as deposits,loans,and settlement for members,actively carry out business consulting services for members'poverty alleviation and income increase.

Implications of Overseas Farmland Financial Development for Financial Service Innovation in China's Rural Areas

Currently,there are many problems requiring to be solved urgently in the rural economic development in China,including farmers' difficulties in getting loans,difficulties in agricultural financing of small and medium-sized enterprises,disconnection of funds chain and serious information asymmetry.The roots of these problems are inadequate financial support and single as well as backward service pattern.The development of rural economy and improvement of farmers' life depend in large measure upon rural financial service system.Rural financial business system in western developed countries mainly consists of policy finance,cooperative finance and commercial finance[1].Development of land finance provides powerful fund circulation for rural finance.Western countries have relatively advanced legal systems and policies for rural financial support with land mortgage and land guarantee as the main methods,which can be used as reference,such as construction of rural financial system,innovation of rural financial service as well as supervision and control of rural financial risks.Through introducing relevant features of foreign farmland finance,this article discusses service innovation in the reform of China's rural financial system.

Analysis on Development of Rural Financial Management Informationization

With the constant development of China's economy,rural financial management information gradually plays a major role in China's economic development. This paper mainly studied related management information of accounting information system and main characteristics of rural management. On the basis of analysis,it came up with pertinent recommendations,including improving software for financial informationization,improving the quality of rural financial personnel,strengthening government support for rural financial management informationization,and enhancing popularization of accounting computerized software.

Influencing Factors and Path Choice of Rebuilding Rural Financial Supervision System

The necessity of rebuilding Chinese rural financial supervision system is expounded. Rebuilding rural financial supervision system is conducive to normalizing rural financial order and forming the benign competitive situation; to clarifying the role played by rural financial organization and providing better financial services for "three agriculture";to forming safe rural financial environment to promote the development of rural economy and national economy. The restricting factors of rebuilding Chinese rural financial supervision system are analyzed. The major reasons are that rural financial legislation is relatively backward and the supervision department lacks the necessary legal basis. The administrative supervision is insufficient, which lead to the mal-position, administrative offside and vacancy of rural financial supervision;rural financial organization mechanism is unreasonable and the internal supervision mechanism is relatively bad;supervision organization of rural financial industry is imperfect and the function is imperfect; public's supervision awareness is weak and social supervision mechanism develops slowly. The paths for rebuilding Chinese rural financial supervision system are put forward including accelerating rural financial legislation to provide perfect legal evidence for rural financial supervision system; clarifying the position on governmental functions and fully displaying the leading role of rural financial supervision; establishing specialized rural financial supervision organization to perfect its supervision functions; vigorously cultivating people's supervision awareness to promote the development of social supervision mechanism.

Financial Poverty Alleviation in Rural Areas of Hubei Province

In order to find out the various restrictions and difficulties of financial poverty alleviation in rural areas,taking Hubei Province as an example,this paper firstly introduced current situations of financial poverty alleviation in rural areas of Hubei Province. Then,it analyzed problems confronted by financial poverty alleviation in rural areas of Hubei Province:( i) subjects of financial poverty alleviation not mature and poverty alleviation risks increased,( ii) backward agricultural insurance system,( iii) rural credit system not perfect,and( iv) weak guiding policies of financial poverty alleviation. Finally,it came up with pertinent recommendations: improving rural financial environment,actively developing the innovation mode of financial poverty alleviation,and strengthening relevant supervision efforts.