The Analysis Of Jiangxi Rural Financial Market Structure And Performance

Finance is the core of the modern economic activities. The amount and the locative efficiency of financial resources in a country or region is an important constraint to the economic growth and development. With the continuous deepening of reform and opening up, the demand of agriculture, rural areas and farmers on increasing the financial services is more and more. Rural finance is a very important but also difficult problem in the financial reform. It is important to study and solve the problem of sustainable development of rural finance to promote development of rural economic for the financial workers, academics and administrators.In this paper, the empirical analysis of the rural financial market structure and performance based on the SCP paradigm of Industrial economics. Firstly, the analysis of the market concentration, market entry and exit barriers and some other aspects, showed that the rural financial market in Jiangxi is a highly oligopoly-type one. Secondly, the analysis of the deference of the rural deposit and loan, the ratio of the rural deposit and loan, the rural financial innovation–related rate and some other indicators, showed that Jiangxi rural financial market performance has been gradually increased, but just crossed the initial stage. Thirdly, the empirical analysis of the regression equation showed that the relationship of the market structure and performance is long-term balanced. The rural financial market could be improved by improving the rural financial market structure. Finally, the policy proposals about the Jiangxi rural financial market could be proposed. It included relaxing the formal financial market access barriers further, releasing and regulating the informal financial market, supporting the innovations in rural finance, accelerating the establishment of a sound credit system, strengthening the policy support to strengthen incentives, populating the knowledge about rural finance, and so.