Research On The Influence Factors And Cracked Countermeasure Of China Famer’Financial Exclusion

From1998,To maximize their own interests, many financial institutions haveevacuated from the inefficient rural areas, so most of farmers were lack of rurtherfinancial services in rural areas.Financial exclusion provides a new researchperspective for this phenomenon. Finance is the core of the modern rural economy,rural finance development lags behind, the financial exclusion of farmers is veryserious, it has become the main major obstacle of the current rural economicdevelopment and farmers’ income growth, which has intensified "dual" economicstructure, been lack of coordination of urban and rural development, leaded tourban-rural income gap and many other phenomena. Since2004, seven consecutiveyears the introductions of the central document are in the lock of "three rural", whilethe rural financial issues are given high attention. Document No.2010, the centralthrust of the central document emphasized "improve the quality and level of ruralfinancial services", which reflected the Central Government determination of solvingthe problem of financial exclusion in rural areas.Based on financial exclusion and financial width theory, this paper from theperspective of macro-and micro-farmers to build a framework for the measurement offinancial exclusion, the use of macro-measure of the distribution of the CBRC websiteAtlas of the provincial rural financial data from a geographic exclusion, exclusioncriteria, pricing and marketing exclusion four dimensions of evaluation of our farmersin rural areas where financial exclusion conditions, on this basis, China’s rural areas tobuild a comprehensive evaluation index of financial exclusion, analysis of China’srural areas have a high degree of financial exclusion, and there is a big regionaldifferences. Group to measure the use of micro-some provinces in China’s rural surveydata examined the situation of China’s farmers by financial exclusion, the samplehouseholds by the results of the analysis is the high level of financial exclusion, andthe eastern provinces of the sample excluded sample is lower than the central andwestern provinces.On the basis of the analysis of the theory of farmers financial exclusion factors,farmers built this analysis of the factors affecting the financial exclusion framework.Empirical analysis shows that households headed personal situation to improve, farmfamily economic wealth, human capital, social capital, information technology to improve household and regional economic and financial situation improved by farmerscan reduce the likelihood and extent of financial exclusion.In the analysis of the farmers break the barriers of financial exclusion on the basisof this paper, farmers break the main ideas of financial exclusion, that Pratt&Whitneyto build inclusive financial system in rural areas, which requires multi-sectoralparticipation. China’s rural financial market is still in early development, there arelarge externalities, the government should create a favorable policy environment,improve the financial infrastructure, promote development of financial institutions.Financial institutions should establish a multi-level rural financial system, specificallythe level of financial institutions in building inclusive financial advance in buildinginclusive financial system in rural location, to develop micro-credit.