Research On The Development Problems Of Anhui Endogenous Leading Rural Finance

Finance is the core factor of promoting the development of rural economy. In recent years, with the deepening of market economy to the rural areas, the demand for financial resources of the rural economic entity is gradually showing a multi-level and a variety of structural feature. Under this background, it will have extremely important practical significance for sustainable development of rural economy by improving rural financial system’s service level.The research takes Anhui rural financial market as a specific object of study and meets rural financial demand as oriented, then discusses the related problems of Anhui rural finance in its development process by using the combined method with normative analysis and empirical analysis. Firstly the paper elaborates the related rural financial theory systematically, then points out that Anhui rural financial supply-demand market is in state of imbalance and the efficiency of financial support for rural economy is still relatively low. According to this, we analyze that the daily operation and management practices of rural financial institutions is deviate seriously from the its aim, which leads to severe consequence such as shrinking agriculture-related credit loan, the outflow of rural funds and lacking of innovation on financial business in supporting rural economy. But further analysis thinks that these consequences are led by government dominant exogenous financial supply institution, which doesn’t take into account the actual financial demand of farmers and rural enterprises, so results a serious phenomenon of financial repression in current rural financial market. In view of this, the author does research on the development problems of rural finance from different perspectives such as financial demand, financial supply and government intervention, and the corresponding conclusions are drawn as follows:first, rural financial demand is born in rural economic entities, the production and operation characteristics of different rural economic entities determines their respective financial demand features; second, rural financial supply is born in rural credit structure, to transform the existing rural financial institutions should be from the point view of the endogenous characteristics of rural financial supply; third, it is necessary for the government to intervene rural financial market’s operation, but should grasp the scale of intervention, and its intervention wouldn’t be absence as far as possible and not be offside at the same time.In the last part of the paper, combined with the research process and conclusions of the previous chapters, the author points out that next research should be separately start from policy and regulation to improve the service level of Anhui rural finance. The main contents are in the following terms:implementing scientific and reasonable monetary, fiscal and tax policies; encouraging to innovate rural financial organizations, rural financial business and service modes; optimizing rural financial ecological environment from the points of establishing rural social credit mechanism, rural financial risk sharing mechanism and strengthening the supervision on the rural financial market.