The Structuring Path of Competitive Rural Financial Service System

The present situation of rural finance is that only the Rural Credit Cooperatives is the biggest one bank, it is promoting rural economic development indeed, at the same time, it also affects the competition effective of rural finance, hamper the efficiency of rural financial resources. By Shenxian County in Shandong rural finance surveys, we analyzes the achievements and problems of rural financial reform, and submit reform proposals of rural financial, namely, break the monopoly position of the Rural Credit Cooperatives in rural finance, and set up the rural financial service system which match the variety of financing needs in rural areas, including a variety of coexistence competitive financial organizations of policy, business, community, inclusive finance,cooperative, and civil finance.