Research On Civilian Financing Of Non-developed Area Of Our Country

With our country's reform and open policy deepening and market economy development, the financial service demand of our countryside is increasing day by day. But the financial service provided by the regular finance more and more cannot satisfy the demand of the countryside. Because lacking the microscopic information which needs in the rural finance market operation, the regular finance is unable to cover rural market effectively. Thereupon, each kind of folk finance arises at the historic moment. In the general countryside, the folk finance is extremely common. The farmer has quite a part of the fund demand to need to obtain through the folk finance satisfies.Chronically,civilian financing is regarded as dear money and lawless. But because of strong need of diversiform market, civilian financing performed very activity.Now the scale of civilian financing is up to ten thousand hundred million. People's Bank of China pointed out in 2004 that we should realize and analyze actuality and foreground,unilize its advantage and avoid its disadvantage and advance its development healthily.As a very important financing instrument, it's very important for non-developed area of our country . Because there is lack of capital in non-developed area of our country. The article analyze the characteristic,scale and actuality of civilian financing in the first. The article summarize the general instance of civilian financing. Then the article base on non-developed area of our country and analyze the general instance of non-developed area. Through compared with developed area concluding the result of weakness of non-developed area of our country.Then the article take the Shuyang county as an example and analyze actuality of civilian financing of non-developed area of our conntry. In the end ,the article put forward advice and educe conclusion.