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Improvetheconceptoffinancialsupervisioninruralareas1XunQianFarmersinChina'svastpopulation,hassomelarge-scaleproductionofthefarmers,butalsosurvival-orientedfarmers,hugedifferencesbetweenthefinancialneedsofruralfinanceintermediationmakescomplex,togetherwithagricultureitselfistheprofitlow,naturalandmarketriskshighriskdecisiontoweakagriculturalindustrycharacteristics,resultinginthecostofruralfinancialtransactionsisfarhigherthanthecity,alsodecidedtoorganizetheruralfinancialsystemintermsofoperationorinthemarkethasitsownspecialcharacteristics.20yearsoffinancialreform,financialdevelopmentwhiletheChinesecitymadeimpressiveachievements,buttheruralfinanceistheentirefinancialsystemisstilltheweakestlink.Insufficientsupplyofruralfinance,competitionisnotsufficient,farmersandagriculturalenterprisesingettingloansandotherissuesisalsoveryprominent,backwardruralfinancialsystemcannolongereffectivelysupportthedevelopmentofmodernagricultureorthetransformationoftraditionalagricultureandthebuildingofnewsocialistcountryside,whichtoimprovetheruralfinancialsupervisionnewtopic.China'sruralfinancialregulatoryproblems(A)theformationofChina'sfinancialregulatorysystemhadalinethreecommission(People'sBank,theSecuritiesRegulatoryCommission,InsuranceRegulatoryCommissionandtheBankingRegulatoryCommission)financialregulatorystructure.BankThesestringentrequirements,differentmanagementanddiversificationofmonitoringhasitspositiverole,butitalsohadsomenegativeeffects.First,inefficientsupervision,supervisionofinternalconsumptionofhighcosts,limitedfinancialindustrybusinessdevelopmentandinnovationspace.Second,theregulatoryagencies,regulatorybodiesandtheinformationasymmetrybetweencentralbanks,banking,securities,andinsurancemechanismsofcoordinationbetweenregulatorybodiesarenotperfect.Informationbetweencentralbanksandregulatoryagenciesisdifficulttoshare,isdifficulttocreateeffectivemonitoringforce.Basicallybetweenthevarious1AmericanJournalofAgriculturalEconomics，2009.regulatorsintheirrespectivestateregulators,regulatorypoliciesandmeasurestooverlappingorconflictingphenomenahaveoccurred,unabletocopewithChina'scurrentruralfinancialmarketcomplexityanddiversityandsoon.Third,financialinstitutionshaveliquidityriskoroutofthemarketandsoon,maybeexcessivebecausethecentralbankassistance,financialinstitutionsandfinancialinstitutionsledtothepersoninchargecapacityriskandmoralhazard,orforfinancialinstitutionsregulatoryarbitragepossibilities;addition,sincethelackofrecourse,mayadverselyaffectthefinancialstability.(B)ruralfinancialecologicalenvironmentisnotin-depthThecurrentfinancialenvironmentinruralcountybuildingstillremainsinthelettertheuser,village,township,communitydevelopmentcreditlevel,government-led,human-propelled,departmentalinteractionandcreateamechanismforfinancialecologicalenvironmentinruralareaslack.Localgovernmentsandauthoritiestheimportanceoffinancialknowledgeoftheecologicalenvironmentisnotdeep,implementationandfunctionsofindividuallocalprotectionismandheavy,thereisinterferencewiththefinancialsectorcreditandotherdailybusinesssituation.Ruralcreditsystemlag,lackofbadcreditpunishmentmechanism,ruralbusinessesandresidentsintheoverallcreditawarenessisnothigh,ruralfinancedevelopmentandexpansionofsocialservicesandsocialprotectionoftheenvironmenthasnotyetformed.(C)China'sexistinglegalsystemoffinancialsupervisionandanumberofshortcomings,cannotguaranteethatfinancialregulationisreasonable,effective,standardizedimplementationFirst,regulatorylag,supportingregulationsareincomplete,thecontentistoorough,toosimple,thebanking,securitiesandinsurancesupervisionlawsandregulationsmoreold,agenerallackofquantitativescience.Supervisoryregulationsandstandards,regulatorymethodsandtechnicalmeansnotmeetregulatoryrequirementsinthemarket.Staffintheactualimplementation,noteasytograspthescale,mayofoperation.Second,theChineseregulatorsandtheregulatedobjectsexistsomeinterest,andtheexistingregulations,lackofsupervisionandregulatoryenforcementaretoensurethatfinancialregulationcannotbejustandreasonable.Finally,China'sfinancialsupervisionisstilldifficulttoshakeofftheinertiaoftheexecutive-styleregulatoryimpact.(D)oftheRuralFinancingdriftingoutsidetheexistingfinancialregulatoryAccordingtoIFADstudy,Chinesefarmersfromtheinformalfinancialinstitutions,loansfromofficialcreditinstitutionsabout4times.Forfarmers,theimportanceofinformalfinancialmarketsovertheformalfinancialmarket.China'smainlyruralfolkformoffinanceruralcreditcooperatives,Cooperation,privatelending,privatebanks,privatefunds,microfinance,etc.,ofwhichonlyruralcreditcooperativesandmicrofinanceinChina'sfinancialsupervisionundertherestofthefinancialformsthelackofappropriatesupervision.Thegenerallackofruralfinancialorganizationsofcivilnorms,thereisabigrisk,China'sexistinglawsandregulationsonprivatefinancialinstitutionsinruralareasisoneofisolationpolicy,makingalotofmoneyfromthedarkintotheruralfinancialmarketandgreaterregulationoffinancialdifficulty,onruralfinancialsecurityisapotentialthreat.learnfromthedevelopedcountries(A)improvecoordinationofruralfina