| Rural finance as the core of the rural economy, building a new socialist countryside is an indispensable factor. However, at this stage, Chongqing rural financial systems are unable to exert on the support of rural economic development, highlighting the financial performance of the dual structure in urban and rural areas to highlight, rural finance is weak. Therefore, in our new socialist countryside construction period, from the planning of urban and rural perspective, Chongqing vigorously develop rural finance, coordination of urban and rural finance is of great theoretical and practical significance.This is in theoretical analysis of research results at home and abroad on the basis of the perspective in the planning of urban and rural under the empirical analysis of the Chongqing rural financial reform and development history, and graphic description of the financial gap between urban and rural areas of Chongqing; And set up model regression analysis of Chongqing rural economy and rural financial development and the correlation between the rural capital of Chongqing, Chongqing Rural Financial flexibility and contribution; in the theoretical analysis and empirical analysis on the basis of summing up the Chongqing rural financial problems and root causes, and put forward countermeasures and suggestions.The specific conclusion of the study are as follows:First, Chongqing Municipality in recent years the development of rural finance, rural financial institutions to deposit their amount of credit lines, the degree of financial decelopment in rural areas, etc., but Chongqing rural finance and the financial gap between the larger cities, urban and rural financial duality more obvious Therefore, in the development of the City Financial Simultaneously, we must vigorously develop the rural financial Chongqing, Chongqing finally achieve the integrated development of urban and rural finance.Second, An Empirical Analysis of the model through the establishment of the Chongqing rural finance and the correlation between the rural economy, rural finance drawn Chongqing and the rural economy positive correlation between the existence, but its smaller coefficient of elasticity on the efficiency of rural financial Chongqing is still not high, not very good to play the role of promoting the rural economy; In addition, investment in fixed assets in rural areas in Chongqing and Chongqing's rural economy there are also positive correlation between. Similarly, its parameters are not large, and its elasticity coefficient is less than one rural fixed assets investment on economic growth to promote the role of the smaller; calculated through the formula Chongqing contribution of fixed asset investment in rural areas is far less than the overall level of description Chongqing rural capital contribution is not high, not fully play its role.Third, Through the theoretical analysis and empirical analysis, summarized in Chongqing rural finance exist the following problems: rural economic development needs of the financial gap, and the irrational structure of rural finance, rural financial institutions to function is inadequate,farmers and agricultural small and medium-sized loans and other related questions , its root causes include:understanding the causes of thought, location factors, institutional factors,policies and measures factors.Forth, Propose measures and recommendations are as follows:establish the scientific concept of development,planning of urban and rural development strategies to promote the idea Chongqing rural financial development,reforming and perfecting the Chongqing Rural Commercial Bank, set up a sound rural financial system, strengthening of rural financial mechanisms,and improve the rural areas of Chongqing financial development policies,set up a rural financial owner structure ,building planning of urban and rural banks, rural credit innovation. |
