Research On Development Countermeasures Of Rural Folk Finance In Hei Long Jiang Province

Heilongjiang province is a big agricultural province, and the rural economy is one of the important parts of the economy in Heilongjiang province. With the rapid development of the rural economy in Heilongjiang province, the demand for financial services of rural market is growing day by day. However, due to the strict control-request of rural formal finance, it is difficult to meet the increasing demand for financial services of rural market in Heilongjiang province, But the rural folk finance makes up for timely the shortage of the credit service from the rural formal finance in Heilongjiang province, rural folk finance becomes a relatively ideal financing channel on the rural financial market. Nonetheless, there are problems in the development process of rural folk finance in Heilongjiang province, that operation is not standard, risk is huge, and the management confusion, which have brought some risks to the healthy development of the rural financial system. Therefore, it is undoubtedly of very important strategic significance to speed up to research on the rural folk financial development countermeasures in Heilongjiang province.This paper focuses on the analysis of current situation and the main problems existing in the development process of rural folk finance in Heilongjiang province, and the current main influential factors of rural folk finance in Heilongjiang province are analyzed. The folk-lending investigation is random carried in rural areas in Heilongjiang by using the questionnaire method, and analysis influential factors of folk-lending empirically by using factor analysis method. Further references to rural folk financial development experience in other domestic areas, the author raises targeted and practical and effective development countermeasures that promote rural folk finance to develop healthily in Heilongjiang province. The article introduces the background of the topic firstly, as well as the goal and significance, and systematically summarizes the domestic and foreign research of rural folk financial condition, and points out the thoughts and the method. Secondly, starting with the related theory of rural folk finance, rural folk financial concept is defined, rural folk financial main forms and function are analyzed and elaborated. At the same time, the development current situation of rural folk finance in Heilongjiang province is introduced from rural folk lending scale, rural folk lending capital source, rural folk financial main existing forms, rural folk financing purpose and the non-government loan interest rate. and primal problems are summarized as follows:Lack of legal constraints, activities is not standard; imbalance between supply and demand, and the rural folk capital outflow; Lack of regulatory measures, latent risk is great; bad Market credit, lending way is complicated. Finally, aim at the main problems existing in the development process of rural folk finance in Heilongjiang province, according to the major influencing factors analysis and the empirical analysis of rural folk finance in Heilongjiang province, and reference to rural folk financial development experience in other domestic areas, the development countermeasures are raised with multiple perspectives and multi-level that promote the healthy development of rural folk finance in Heilongjiang province.