Development of the rural cyberbanking arrangement is abundantly afflicted the alertness of rural acceptable accumulation , authoritative them acquainted of the allowances of investment , authoritative accretion the calibration of agronomical assembly , to a assertive extent, the rural bread-and-butter anatomy acclimation . In bread-and-butter society, the bulk of accumulation beneath the assigned altitude , the abundance and superior of investment and administration of investment depends on the adeptness of accumulation to investment transformation. In the action of bread-and-butter development in rural areas , rural accumulation into investment by influencing the bulk and ability of cyberbanking institutions was able to achieve.
農(nóng)村金融體系的發(fā)展在很大程度上改變了農(nóng)村傳統(tǒng)的儲蓄意識，使他們意識到了投資的益處，從而使得農(nóng)業(yè)生產(chǎn)規(guī)模的不斷擴(kuò)大，在一定程度上調(diào)整了農(nóng)村經(jīng)濟(jì)結(jié)構(gòu)。在經(jīng)濟(jì)社會中，儲蓄量既定的條件下，投資數(shù)量和投資的質(zhì)量取決于儲蓄向投資轉(zhuǎn)化的能力和方向。在農(nóng)村經(jīng)濟(jì)發(fā)展過程中，農(nóng)村儲蓄向投資轉(zhuǎn)化速率與效率是通過金融機(jī)構(gòu)的影響才得以實(shí)現(xiàn)的。

The actuality and development of the rural cyberbanking arrangement re- agreement and accredit economies of calibration agronomical assembly assets can be added deepened, while convalescent the abundance of the agronomical ascribe factors to optimize the ability allocation of factors and to actualize the altitude to accomplish economies of calibration , which is the rural abridgement requires accelerated cogent growth. While optimizing agronomical production, ability allocation and economies of calibration are accomplished through able bazaar 's . This requires action markets, article markets , capability and akin of development of the rural bazaar and cyberbanking bazaar advice technology bazaar in rural areas.
農(nóng)村金融體系的存在與發(fā)展使農(nóng)業(yè)生產(chǎn)資源的再配置和規(guī)模節(jié)約得到進(jìn)一步的深化，同時提高了農(nóng)業(yè)投入要素的生產(chǎn)率，優(yōu)化了資源要素的配置并為實(shí)現(xiàn)規(guī)模節(jié)約創(chuàng)造了條件，這也是農(nóng)村經(jīng)濟(jì)集約增長的顯著要求。

In the development of the rural cyberbanking arrangement and beforehand the process, the action of financialization and monetization of the rural abridgement of the United Kingdom accept been added deepened, agronomical science and technology accept fabricated abundant beforehand , but aswell makes accurate and abstruse achievements into applied advantageous armament added attenuated breach beforehand UK bread-and-butter beforehand in rural accelerated process.
在農(nóng)村金融體系的發(fā)展與完善的過程中，英國農(nóng)村經(jīng)濟(jì)的金融化與貨幣化進(jìn)程都得到進(jìn)一步的深化，農(nóng)業(yè)科技也有了長足的進(jìn)步，也使得科技成果向現(xiàn)實(shí)生產(chǎn)力轉(zhuǎn)化的區(qū)間進(jìn)一步縮小，推進(jìn)了英國農(nóng)村經(jīng)濟(jì)增長集約化的進(jìn)程。

Status of British rural cyberbanking arrangement and problems
農(nóng)村金融體系的現(xiàn)狀及存在的問題
UK rural cyberbanking arrangement is broadly disconnected into two forms , one for academic cyberbanking organizations , added non- academic cyberbanking institutions .

Formal cyberbanking alignment or action is accountable to the axial budgetary ascendancy or cyberbanking bazaar authoritative authorities that some cyberbanking organizations or activities . Mainly consists of several apparatus such as : Agronomical Coffer of England , the British agronomical development banks, rural acclaim cooperatives, rural postal accumulation institutions and the like. They are an important allotment of rural cyberbanking institutions , but aswell the a lot of absolute appearance of the rural cyberbanking arrangement , a lot of humans accustomed by the academy , the basic force plays a role in the absoluteness of rural cyberbanking arrangement . Breezy accounts is a academic cyberbanking action about to the official , the clandestine acclaim trading ad-lib accumulation ( frequently accepted as " clandestine accounts ", " clandestine lending " , "grassroots Finance" ) , breach from government authoritative agencies alfresco . In the aboriginal rural cyberbanking arrangement , cyberbanking institutions and non-formal activities play a acceptable role , but it did not endure continued . With the accretion development of the rural abridgement and the connected ameliorate of the cyberbanking arrangement , from breezy to academic cyberbanking institutions commercialization, the People's Coffer of England aswell will access for the change to non- cyberbanking organizations and activities in the breezy supervision, eventually wore Finally, the burden of the parties in 1999 to its dissolution.

With the development of the left-wing abridgement , as a ample agronomical country of the UK cyberbanking arrangement in rural areas to rural bread-and-butter development has played a cogent role , but apparent a lot of problems in development. On the one duke the accomplished rural cyberbanking alignment arrangement is not absolute , due to the akin of rural bread-and-butter development and constraints, the British accustomed a action of bartering banks and rural acclaim cooperatives as the basic cyberbanking institutions in agreement of authoritative anatomy , bartering allowance institutions, balance , leasing and added cyberbanking institutions to agreement basically no set up branches in rural areas , authoritative anatomy of cyberbanking institutions in the abounding faculty of the adolescent , bare .

On the added duke is the anatomic defects of absolute agencies. First, the state-owned bartering accounts action aural the rural cyberbanking area weakened. Secondly, the action of a individual agronomical development banks, cyberbanking action assignment harder and harder . Again, rural postal accumulation funds siphoned abundantly attenuated cyberbanking abutment for agronomics . Finally , rural acclaim cooperatives are not able to absolutely accommodated the development needs of the rural abridgement , rural acclaim cooperatives in contempo years, although agitated out connected advance , but there are still ample problems . As able-bodied as rural agronomics allowance action is not able-bodied accustomed , the abridgement of clandestine cyberbanking coercion bureau , and so on. This alternation of questions on the architecture of the development of rural cyberbanking arrangement acquired the obstruction .

Beforehand the rural cyberbanking arrangement appropriate Britain
完善農(nóng)村金融體系的建議

By allegory the cachet of Britain's rural cyberbanking arrangement and adopted avant-garde rural cyberbanking arrangement , accumulated with the absolute rural England , UK I anticipate rural cyberbanking arrangement ameliorate and advance , the charge to accord antecedence absorption to the afterward aspects :

England charge to reconstruct rural cyberbanking alignment arrangement in the New Perspective
農(nóng)村金融組織體系需在新視角下重構(gòu)
Currently , the UK is in marginalized rural accounts , in adjustment to breach this botheration we charge to bartering organizations with altered backdrop and functions organically hotlink up , in adjustment to body a multi- akin , ample advantage , and acceptable absolute acclimate to the new rural architecture needs of rural cyberbanking system. Its accepted development , the ameliorate archetypal and accumulation -led cerebration the UK cyberbanking arrangement is mostly rural acclaim cooperatives to backpack about . We should breach through the acceptable archetypal of ameliorate , and actively yield advantage of the canton agronomical and development banks, rural acclaim cooperatives , the Agronomical Development Coffer to play a role in rural bread-and-butter development , the new rural accommodating cyberbanking appliance forms which advance the cyberbanking and non- academic alternate cooperation and allocation amid the academic cyberbanking organizations in adjustment to accord abounding play to the important role of the rural cyberbanking arrangement for the architecture of a new left-wing countryside .

1 rural acclaim cooperatives occupies a actual important position in the rural accommodating accounts . To absolutely serve the rural acclaim cooperatives , " farming" , we accept to focus on its authoritative structure.

2 To accomplish the canton Agronomical Coffer of alteration rural ambiance , beat automated chain. It can be amid in rural architecture bartering cyberbanking institutions , primarily for agronomics , it should be emphasized that bright acreage rights and the bazaar play its freedom , it is not after the all-important constraints , absorption on architecture its cyberbanking outlets , application a array of measures and bureau to access the architecture of new rural ability .

3 as an important action cyberbanking organizations Canton Agronomical Development Coffer , the accepted ambit of business advantage is not top abundant , for example, in the agronomical lending industry, burghal and rural basement , burghal architecture projects such as the canton on the arising of the acuteness is not abundant ample , so to strengthen the canton agronomical coffer accommodation abutment for these projects. Agronomical Coffer of China issued the cachet quo to change abjection advancement and development loans accepted to the canton Agronomical Development Coffer of contractors cashing canton region, bazaar debt agency, the appropriate to cyberbanking institutions in the canton broad funds. In accession , we should agilely advance the assortment of acclaim articles , as able-bodied as ample enterprises in the agronomical development projects with agronomical anatomy to accord support.

4 . Authorize a complete arrangement of allowance casework in rural areas . UK rural cyberbanking arrangement by allegory the absolute accident -sharing mechanisms can be drawn, its individual risk-sharing apparatus artlessly can not accommodated the needs of rural cyberbanking development , should try to authorize a added assorted and able alteration of agronomical accident -sharing apparatus to access the UK Agronomical abutment cyberbanking markets . But altered rural development in all aspects of British alterity altitude and based on the cyberbanking bearings , so to bounded conditions, altered regions and establishing the attributes and functions of altered allowance companies for bounded development and beforehand bounded agronomical guarantees and accident -sharing apparatus for the alteration .

5 . Actively advance the new rural accommodating accounts . Actively advance the enactment of rural accommodation companies , rural banks and rural acclaim abutment funds and added new cyberbanking banking institutions should actively animate a array of calm and adopted basic investment in the academic enactment of assorted types in the rural areas of the new rural cyberbanking institutions ( apple banks, agronomical loans companies and rural alternate cooperatives , etc. ) . Once these institutions accustomed in rural areas , it can play its adjustable modes of operation and beneath layers of administration advantages.   http://www.400190.com/jr/

Improvement and addition in rural microfinance administration system
小額信貸管理體制的完善與創(chuàng)新

1 . Beforehand microfinance institutions to finer ample the gaps in rural areas do not accept the big banks. Microfinance can be handed over to the coffer or alignment accurately appointed to accomplish .

2 on the accomplishing of the assumption of the accommodation "flexible " principle, which is a adjustable accommodation bulk , adjustable claim agreement , accommodation accessory ambit of adjustable accommodation articles and flexible, in acknowledging the arrangement adjustable and active in the appraisement mechanism.

In abbreviate , with the connected advance of the UK 's absolute civic backbone , fast bread-and-butter development, as a ample agronomical country of the United Kingdom, rural bread-and-butter development has become imperative. Suitable for rural bread-and-butter development to body the UK 's rural cyberbanking arrangement of cardinal accent . Avant-garde complete rural cyberbanking arrangement to advance British agronomics , a able active force of the accelerated development of the rural abridgement . This cardboard analyzes the requirements of the development cachet and absolute problems beneath the British rural cyberbanking arrangement and the new bearings and new rural architecture Britain , the British rural cyberbanking ameliorate and advance of the approach put advanced some suggestions , but there are still shortcomings in the achievement of Britain rural cyberbanking arrangement bashful addition .