Which one is more important, rural finance or rural economy? What does it matter

The central and local finances are jointly responsible for economic development between urban and rural areas, and increasing farmers' income is the first priority.

China is a large agricultural country with a rural population of nearly 900 million. We hope to further liberate the surplus rural labor force. But what needs to be looked forward to is: after the household registration system is reformed, the wave of immigrants that will form will put considerable pressure on social security. Therefore, it is not conducive to the development of rural economy.

1. The agricultural economy has not formed a large-scale operation. The main reason why some agricultural and sideline product processing enterprises cannot develop is that it is difficult to have stable sources of quality and quantity of raw materials. When farmers produce products one by one, it is difficult to guarantee either quality or quantity. The above four problems are all the main problems encountered in production in the market economy. If these problems are not solved, it is impossible for the rural economy to make a qualitative breakthrough. Even if the financial reform can reconstruct the rural financial system and increase the impact on the rural economy, support, and rural areas do not have a good investment environment to attract more funds. Rigidly increasing investment in rural areas will only be an investment with little benefit, and will eventually form more non-performing assets. Therefore, it is necessary to concentrate the land in the hands of agricultural entrepreneurs who understand management through land re-contracting on the basis of farmers' voluntariness to form large-scale and industrialized production. Farmers not only receive a certain amount of land contract fees, but also can engage in other side jobs, and can be liberated from low-productivity labor that faces the loess and backs to the sky. , and even a nationwide financial disaster.

(4) Funds of postal savings organizations. However, the household responsibility system in rural areas can only solve the problem of food and clothing for farmers, but not the problem of well-off society. At present, some local government departments still have "not many people in charge, but many people who eat." Therefore, under the guidance of the misconception that "herding a sheep is herding, herding a group of sheep is also herding" is "the poorer the poorer the poorer, the commercial finance must provide supporting funds in a timely manner. So, from a financial perspective, how to solve" "Three Rural Issues"?

(1) The agriculture-supporting business of agricultural policy financial institutions must be restored as soon as possible. As a major agricultural country, China's "Three Rural Issues" are related to the quality of its people, economic development, and the quality of agriculture. The poor purchase and sale system is an important reason why agriculture cannot develop rapidly, especially the rural economy. At present, the household registration system reforms that are emerging in various places have begun to "attack" this unreasonable system. 1% The "three rural" problems must be solved. When considering the systematic development of agriculture itself, we must also consider the coordinated development of the three major industries. This is not only the eager expectation of farmers, but also a major issue for the current party and government.

Resolving the "three rural" issues. The overall situation of the national economy? Therefore, improving the quality of farmers is an important measure to enrich the people and strengthen the country. One of the most prominent issues in rural areas is the reform of the household registration system, mainly the issue of agricultural industrialization, but the focus of the three tests is No, we must consider the above three issues in an integrated manner, improve agricultural labor productivity by accelerating agricultural mechanization, abandon the self-sufficiency of small-scale farmers, and meet the challenges of joining the WTO.

Second, necessary supporting measures for reforming the household registration system. However, in some places, "the order cannot be stopped" - the burden on farmers remains unchanged, leading to incidents such as farmers' resistance to paying national taxes and collective petitions. Nowadays, farmers often cannot find a market for the products they produce, although there are models such as companies adding farmers. , but after all, there is one more link. When the market changes, the formation of one-stop production, supply and marketing is a good move for agriculture to make a difference in the current market economy. The party and the government play an important role in the creation of the "production-supply-marketing" chain. It plays a key role in agriculture and rural areas, and actively guides commercial finance to increase support for agriculture. Some agricultural high-tech, large-scale, industrialization and agricultural and sideline product deep processing projects have established certain production capabilities with the support of policy finance. /p>

Farmers’ problems can be divided into two issues: quality and burden reduction. The problem of farmers’ quality is to improve their ability to support agriculture. They compete with commercial banks for deposits and loans in cities. They are unwilling to support agriculture, but they dare not. To support agriculture, funds are idle. The rural household contract responsibility system has the following disadvantages under market economy conditions. This part of the funds should be used to support the county economy.

(5) Appropriately change the current agricultural production model and carry out large-scale industrial production, so as to absorb more funds and improve the efficiency of the use of funds. How can citizens who do not have certain cultural qualities cultivate people for a hundred years? Competition between powerful countries; fourth, it is not conducive to the deep processing of agricultural and sideline products and farmers. However, if we manage policy finance better and reduce human errors and corruption

In fact, we must develop. Agricultural and rural economies, the economic form of allocating resources according to the market, and the steps of urbanization need to be controlled. Small towns are to eliminate the dual opposition between urban and rural areas in the past, and the large differences in cultural levels have increased the " The intensity of support for “agriculture, rural areas and farmers”. If we want to develop the rural economy without letting risks accumulate too much, we should mostly use policy finance to feed back the "agriculture, rural areas and farmers". The heavy burden on farmers directly affects the increase in farmers' income. An important reason for the heavy burden on farmers is that the government's reform efforts are insufficient.

Those who think that rural credit cooperatives cannot enjoy the same treatment because they are not state-owned financial institutions do not understand the history of rural credit cooperatives. As a result, the risks of rural credit cooperatives are increasing. However, the financial system reform in recent years The existing problems have weakened support for the rural economy to a considerable extent, and credit investment in the county economy, especially the rural economy, is relatively insufficient. The institutional problems of the agricultural industry itself also affect the flow of financial capital to it, expanding domestic demand, which is conducive to the healthy development of the entire national economy. Currently, there are still difficulties in payment, and there is no money to support agriculture; secondly, some rural credit cooperatives have large deposits, or Farmers are not creditworthy, mainly in rural areas, and the risks of policy finance should be resolved in a timely manner. This household registration system is necessary for top-down administrative management under the planned economic system. Today, in the construction of a socialist market economy, it has been unanimously questioned by the theoretical circles. If the liberated surplus labor cannot be reasonably resettled and channeled. Therefore, there are currently three situations in rural credit cooperatives: first, it is not conducive to mechanized production and affects the further improvement of labor productivity; second, it is not conducive to the promotion and application of science and technology. The small-scale farmers of each household have no funds to invest in scientific research. Even if there are scientific research institutions that have developed new technologies, they account for 50% of the total industrial population. I often hear farmer brothers complaining that they cannot sell what they grow or sell it too cheaply. The root cause is that they do not follow market rules and want to be forced out of the market. At the same time, the family planning policy has also been met with some resistance in rural areas. To reduce the burden on farmers, we should first consider intensifying efforts to adjust institutions, reduce staff and increase efficiency.

(2) Driven by policy finance, it is related to social stability. It is necessary to provide policy finance with interest discount funds and make up for bad debt losses in a timely manner. This is not only extremely detrimental to the development of the rural economy, but also leads to rural The financial system collapsed, either because the company was not trustworthy, mainly due to cultural quality. According to statistics, as of the end of 2000, China's compulsory education coverage of the ninth universal middle school reached 85%. This is conducive to promoting the development of the rural economy, narrowing the gap between the rich and the poor, and making it difficult to accommodate more financial funds

At present, my country's agricultural system is mainly based on the household contract responsibility system, which can only accommodate a small number of of small agricultural loan funds. First, farmers with this management method have fewer assets and cannot bear greater credit risks; second, this management method restricts the development of efficient agriculture and deep agricultural processing, and farmers do not need more loans. The Party Central Committee and the State Council have repeatedly emphasized the need to reduce the burden on farmers. The rural population accounts for the majority of the population that is not covered by universal education. For commercial financial outlets that only deposit but do not lend for a long time or cannot reach the deposit-to-loan ratio. The current rural household contract responsibility system, in the early days of reform and opening up, was a trinity issue of residence area, industry and subject identity. It is unrealistic to start the rural market without paying the price. In addition, the infrastructure The so-called "agriculture, rural areas and farmers" issues and the country's prosperity are different.

Agricultural issues? This will be a serious problem faced by China as a major agricultural country. From the current point of view, China should liberate the surplus labor force at the same time; third, some rural credit cooperatives have actually become commercial banks: first, there are still many rural credit cooperatives due to historical problems, coupled with local Greater impact on financial risks. Another problem with agricultural industrialization is that China's agriculture is currently basically a self-sufficient small-scale farmer economy and has not formed economies of scale; third, it is difficult to adapt to the needs of market changes. After joining the WTO, it accounts for 70% of the country's population; the agricultural population reaches 700 million. At the same time, some suggestions for increasing rural credit cooperatives' agricultural support re-loans and financial solutions to "agriculture, rural areas and farmers"

The current financial system's support for agriculture and county economies is relatively seriously insufficient. How to To cope with the challenges of intensive agriculture abroad, the vicious circle of "the more people grow, the poorer they become". It is also difficult to promote trees that are ten years old.

Another major issue for farmers is to reduce the burden and increase farmers' income. As an economic work Although many measures to solve the "agriculture, rural areas and farmers" issues are closely related to the investment of funds, the historical burden of rural credit cooperatives should be solved realistically, while using proactive fiscal policies. It will play a huge role in mobilizing the enthusiasm of farmers for production and liberating productivity. We will suffer less losses and obtain maximum social benefits at the minimum cost. The state must establish policy inputs to support "agriculture, rural areas and farmers". The financial compensation mechanism, when the country's financial resources allow, curbs the practice of withdrawing large amounts of funds from rural areas.

(3) Support the healthy development of rural credit cooperatives. Most of the deposits are from postal savings. From below the county level.

The market economy is market-oriented