Study On The Urban-rural Dual Finance Structure Based On The Background Of The Urban-rural Dual Economy Structure

China is a large agricultural nation and population, rural residents in population quantity of absolute proportion. In cities and villages for geography form the city and countryside isolation development mode, did in the industrialization, the urbanization and modernization formed unique dual economic structure. The dual economic structure of urban-rural division in the gap widening, the imbalanced development of rural population, the proportion of big, agricultural labor productivity is low, the farmers' income growth, a large surplus agricultural labor issues seriously hindered the development of economic society. Peasants' income increase difficulties, both internal and external environment of agricultural and rural changes reflect the reality, but also the long-term accumulated urban-rural dual structure of deep contradictions concentrated reflection. The essence of urban and rural development is changing urban-rural dual structure, to solve the "SAN nong" questions. With China's urban-rural dual structure is closely related to the economy is an important phenomenon in rural financial development, has great differences in rural financial asset scale, the deposit-loan ratio, finance, financial intermediaries and financial market system, etc, the financial gap between the urban and rural economic development inevitable is one of the important reasons for the existing gap. According to the theory of modern financial development, financial department and the economic life of the entity economy, the interaction between departments will produce multiple, stable state of equilibrium, namely the poor countries tend to be in financial and economic stagnation, while the trap of financial repression can improve efficiency of resource utilization, and to promote the development of the national economy, developing countries should gives priority to the development of finance, cannot make financial lags economic growth. Therefore, solving urban-rural dual structure brings a series of economy is an important aspect of the problem is to balance urban and rural financial development.The main content of the dissertation:Our current financial relationship between urban and rural areas can be summarized as the basic economic dual structure between urban and rural areas of financial "dual structure". Influence factors of rural financial dual structure including dual structure, urban and rural economic and financial system based on the government plans to arrange, born in economic development needs of financial capital is the "natural selection", etc. Based on the economic and financial relationship between basic judgment, can think of urban-rural dual structure, financial development plays a decisive role in rural economy is the dual structure. Therefore, this paper studied the basic problems of the rural financial dualistic structure is defined and the impact of economic society, and adapt to the requirements of the development of urban and rural integration of urban and rural financial development idea. This thesis also should cover for urban and rural economic and urban diadactic structure of dual structure of financial relationship, and to answer with dual structure of urban and rural economic and financial dual structure is the relationship between for causal relationship? If it is, the interaction between them? What is the direction and strength, Urban and rural finance in rural and urban diadactic structure of rural economic development, economic growth and what effect? And those strategies can soften the urban-rural dual structure of urban and rural economic and financial dual structure? Thesis research topic, follow the theory on "empirical economic research and application of countermeasures according to the general idea, the process of urban and rural economic and urban and rural finance dual structure between the dual structure of urban and rural economic theory and relationship with rural dual structure of financial dual structure between urban and rural finance and quantitative analysis of causes and urban-rural dual structure of dual structure of financial economic influence and softening of rural financial dual structure, technical route countermeasures from four aspects the basic research.The urban and rural economic and urban and rural finance dual structure between the dual structure of the theory, Dual structure of urban and rural economic and financial binary structure and the interactions between, Urban-rural dual structure formation and development of the financial and economic influence, Urban and rural financial dual structure softening thinking and policy Suggestions of financial reconstruction.The main conclusions of the dissertation:1. During economy development in urban and rural areas, the economic dualism becomes obvious more and more, which lies in incomes, consumptions, productivity, economic growth and so on. The gaps of incomes between urban and rural residents are expanding. The consumption levels are largely different between urban and rural residents as well as their consumption patterns. The dual contrast modulus measured by productivity of urban and rural areas is undulating and rising. Gaps of per capita GDP of urban and rural areas are decreasing year by year, which indicates reduction of dual economy intensity.2. During finance development in urban and rural areas, the financial dualism becomes obvious more and more, which lies in bank deposit and loan, FIR, financial market etc. Although deposit and loan in city and countryside both ascents, the ascension velocity in city is quicker than in countryside. Increscent velocity of finance assets and FIR in urban areas are faster than in rural areas, that gaps look like "scissors" form. Financial institutions in urban areas, including commercial bank system, policy bank system, foreign bank system and other non-bank financial institutions are much richer than in rural areas. Rural financial market has a unitary credit market, while urban financial market contains direct financial market and indirect financial market.3. There is a closely relationship between urban-rural economic dualism and urban-rural financial dualism. Employment gap between urban and rural areas caused the income gap between urban and rural areas, which indicates that urbanization benefits relieving the economic dualism. On the other hand, income gap between urban and rural areas not caused employment gap, which indicates that transfer of rural surplus labors is not caused by the stimulation effect of income gap between urban and rural areas. Expansion of investment gap between urban and rural areas caused expansion of income gap between urban and rural areas, which indicates that difference of investment in urban and rural areas can bring difference of economic growth and income in the two areas. But the expansion of income gap between urban and rural areas is not a reason of expansion of investment gap between urban and rural areas. Gap of financial development level, between urban and rural areas which stands for economic dualism, is both cause and result of gap of income level between urban and rural residents, which stands for financial dualism.4. There are many factors caused formation and development financial dualism between urban and rural areas. They are state initial strategy, financial restrains in rural areas, rural finance growing slowly because of local government's control. gap of economic development and industry structure between urban and rural areas.5. Financial dualism has deep effect on economic growth, unite strategy between urban and rural areas, reconstruction of industrial structure in urban and rural areas. First, income gap between urban and rural residents is hardly decreased. Secondly, area economic growth gap expands unceasingly. Thirdly, the separated station of industrialization and urbanization is difficultly to change. Fourthly, function of rural finance is becoming weak more and more. Finally, strategy of adjustment of rural industrial structure is difficultly to realize, which means difficulty of alternation of rural economic structure.The main creativity of the dissertation:1. Based on the development of rural finance perspective between binary financial structure. Research at home and abroad are based on financial structure of dual basically formal and informal finance as the main financial analysis, this study came to consider and the dual economic structure are analyzed, also need to focus problem of rural financial development, China's thought is different from other countries of the relationship between urban and rural areas in China, the relationship between urban and rural areas and rural financial dual structure is not only by the formal financial and non-formal finance gap. Based on the development of rural financial gap to view more realistic and dual financial structure, and at the same time, domestic inclusiveness of relevant research from a flank is no system, the dual structure between urban and rural financial theory. Therefore, based on the urban and rural financial development gap to view both theoretical exploration of financial structure of dual meaning and research topics discussed, also be helpful for financial policy and financial system construction.2. Establish measure indicators of the strength of urban-rural dual structure of finance. The urban-rural finance dual structure can be reflected by total financial assets, deposit, financial development, financial intermediaries and financial market differences.This paper mainly use urban-rural FIR ratio as a measure of urban-rural dual financial structure strength.3. A dual structure of urban and rural economic and urban and rural financial dual structure interaction theory frame. Continue production function analysis, the article will urban and rural economic development gap between urban and rural financial development and economic function, establish in binary structure and financial dual structure of interaction theory so as to develop empirical research papers. The theoretical framework and regional economic indicators can be financial development and urban disparity in the same function indexes were studied.This thesis mainly studied from rural areas and the regional gap between urban and rural financial development perspective, financial dual structure from research and systematicness of integrity, need from formal and informal finance financial binary structure and urban and rural financial structure angle, and further discusses development research, the financial market in financial intermediary between urban and rural areas and between urban and rural areas of economic dual structure.