China's Rural Financial System Design and Innovation from the Perspective of Financial Functional Paradigm

In order to meet the financial needs of rural economy and promote rural economy to develop,it is very important to design a rural financial system with complementary functions,wide coverage,efficient services and sustainable development.After summarizing the limitations of financial reform in rural China under the guidance of financial institutional paradigm,the paper proposes the rural financial reform ideas based on financial functional paradigm,designs a new rural financial system,and gives some policy suggestions for how to choose the rural financial system innovation route.