Study On The Demands Of Rural Financial Services In Less Developed Areas

In less-developed areas, rural finance coexists with less-developed areas economy.Peasant household financial demand in less-developed areas is the core of less-developed areas finance. Realizing the peasant household financial demand in less-developed areas is the standard evaluating the less-developed areas finance service efficiency,and the key of the less-developed areas finance reform. Peasants'financial demand in the less-developed areas forms undeniable and potential market with huge scale and scattering amount.It becomes an important item for less-developed areas finance, that how to make peasant household in less-developed areas independent demander, and potential demand realproduct and service consumption.Nowadays the initial multi-gradation finance service system has formed in less-developed areas. Providing service according to peasant real demand in less-developed areas can benefit less-developed areas financial reform. Analyzing peasant household demand in less-developed areas, constructing peasant household finance demand system, in the center of peasant household and rural enterprises in less-developed areas, can improve peasant household and rural enterprises weak state in less-developed areas finance market, and promote main body mind, and solve countryside, agriculture, peasant issues essentially, and accelerate less-developed areas economy sustainable development.The paper constitutes of five part:The first part introduces the research background,the significance,the present situation of domestic and foreign research,the research frame and metherd.The second part introduces some economical theories relating to rural finance,including credit rationing, Rural financial market theory and imperfect competition market theory, financial demands to follow and supply leading theory etc. This part discusses the definitions,strueture factors,relationship among the factors of these economical theories,and makes a good theoretical preparation for building a diversified rural financial system.The third part in Shanxi Province as an example, analyzes the situation of demand of rural finance in undeveloped areas. Based on forenamed economical theories,through particular analyzing the capital credit demand and other aspects of financial services of peasant household and rural enterprises in Shanxi Province,we find and judge the factors affecting the demand changing of rural fianance.In the fourth part,we gets the datas through putting out investigative papers and empirically analyzes the situation of demand changing of rural fianance in less-developed areas.After the empirically analysis,we find the key factors affecting the demands of rurual finance.In the fifth part, Through the analysis of several chapters before, we propose the suggestion of realizing the demand of rural financial service in less-developed areas and constructing a new rural financial system.