Research On Different Regions For The Rural Financial Development In China

China is a large agricultural country, building a new socialist countryside has become the major task in China’s modernization process, to expand domestic demand, narrowing the gap between urban and rural areas, comprehensive construction of a well-off society has important meaning at present. Current, Agriculture gradually from labor intensive industries to capital and technology intensive industries, and gradually exhibits high cost, high risk characteristics, more and more relies external funding, the effect of financial support for the speed of agricultural development has become one of decisive factors. However, it’s difference of rural financial development in different regions of china. According to the fifferent regions of the development of local financial development level to reach the purpose to promote economic development, what have become important real significance.The train of thought of this article is the firstly uses the actual data from the statistical yearbook and survey results, analysis and comparison differences of the different financial organization and different regions of rural fund supply and demand condition as well as the the financial main body in the capital supply and demand. Secondly, A point of view from reference current scholars generally used as Gini coefficient, Theil index, Logarithmic differential mean value, Hurst index. Directly measure the difference of different areas of rural financial development level In Main Years; Another point of view from the basis of fully grasp the concept and connotation of the level of rural financial development. using principal components method to construct a comprehensive index to representation of rural financial development level from the Several aspects of the degree of financial deepening (Such as the use of deposit, loan and its proportion index to reflect), the share of folk financial, the level of economic development in rural areas as well as the financial ecology (such as credit of financial market environment, information disclosure and Legal guarantee and so on), accordingly this to measure the level of financial development in different regions of China. Once again, use DEA method to comprehensive evaluation the different areas of rural financial development quality; while use the econometric what the panel unit root, co-integration test to measurement the relationship between the different regions of rural financial development and rural economic development to determine whether the rural finance to promote rural economic development. From two angle explain the different of financial efficiency in different rural. The next, using correlation analysis and Tobit model to investigate the factors of financial development and efficiency difference in different rural. Apply the theory of Institutional Economics to depth analysis the reason for these differences. Finally, put forward the policy suggestion what target to rural economic and financial development, which based on the view of financial function, from the rural financial system, financial ecological environment, the level of financial services etc and combination of different parts of rural economic development and cultural background.The conclusion in this paper includes, it’s existence that the different of financial development and efficiency level in china’rural. The main body of rural finance to financial demand have suppression phenomenon. The reason to the phenomenon what is system of rural system. So we need to give some suggestions to improve the level of financial development of their own’s situation in different areas.