A Study on the Plights,Causes and Resolutions of China's Rural Financial Development

China's rural financial market development is subject to different degrees of suppression in the long time,and the rural finance function is difficult to be effectively carried out,which has resulted in lower performance level of financial support to agriculture,affecting the acceleration process of new rural construction.More different with the existing literature,this paper will give some statistical description on the plight of China's rural financial development since reform and opening up from the financial development scale,structure and efficiency.The results showed that the size of China's rural financial support,structure and efficiency with the same period compared to the national and urban levels are relatively lagging behind.Meanwhile,This paper argues that the cause of rural financial development lags behind are major long-term "dual" economy,"one size fits all" type of monetary policy,rural high rate of non-performing loans of financial institutions and the existing supply of rural financial system continuing to shrink.Finally,on this basis to seek a four-point break means,which are gradually increasing the level of labor productivity in rural areas,implementing differential monetary policies,actively developing agricultural insurance and continuously improving their business performance and strengthening financial supervision.