Rural Financial Resources Supply And Their Effects During Rural Economy Growth

This thesis focuses on the theory and empirical test on rural financial resources restriction during rural economy growth. By summarizing financial development theory, economy growth theory and their applying in the research of China's rural economy growth and financial development, it defines the rural financial resources and analyzes their characteristics based on financial resource theory. Then the mutual relations between rural financial resources and rural economy growth are theoretically discussed initially. By applying historical and quantitative analysis methods, the thesis probes into rural financial resources' restriction condition as well as their restriction effect, then examines the causes for such restriction on market failure and government failure. Finally, by taking into full account of reinforcing rural economy foundation, perfecting rural market system, reasonably exploiting rural financial resources, making a perfect macro institutional environment, the thesis puts forward some suggestions in policy of removing the rural financial resources restrictions.Main conclusions are as follows:1. The rural financial development lies in backward level and uncoordinated condition with rural economy growth. Though the mutual relevance between rural economy monetization and rural economy growth is positive, the mutual relevance between rural formal finance loan and rural economy growth is negative. The rural finance has developed greatly along with rural economy growth; however, the development level stilly has huge disparity compared with city and all over the county not only in total financial resources, economic monetization, but also in ratio of savings and loans. This can be explained China's financial dualism. The rural investment has an unobvious stimulation to the rural economy growth, which shows poor coordination between rural investment and rural economy growth in some degree and implies investment inefficiency, invalidity, waste, insufficiency and other deep questions.2. The rural foundational core financial resources lead restrictive effect to rural financial resource system and rural economy system. The totality and disposition structure restrict its further accumulation in quantity on one hand, restrict the exploiting of rural financial tool resources and their innovation on the other hand, but also strengthen rural current financial system resource frame, hinder it in innovation. On one hand, the tendency of rural capital disposition in non-agricultural and non-rural region weakens agricultural foundation status, does not favor to agricultural strategic structure adjustment, on the other hand, it hinders rural economy in growth, solidifies the economic dualism both between countryside and city and in the countryside, but also hinders the farmers from getting more income.