Study On The Rural Financial Development In The Ethnic Areas In Xiangxi

Xiangxi ethnic areas from natural conditions, development level, economicconstraints, the rural financial development is still at a low level, the efficiency offinancial resource allocation is not high. Less conduction state developed financialindustry can not be timely and effective support of national regional financial policy,hindered the effective transfer of rural labor and agricultural industrial structureadjustment, and suppress the regional capital formation, weaken the Xiangxi areaagricultural expansion and agricultural production, processing and sales of financialsupport, restricts the development of the economy and society progress of rural areas.Xiangxi ethnic area financial reform is already in place? The correct developmentdirection should be where? At present, research on the development of domestic andforeign rural financial theory, papers and books are more, the foreign research mainlystudied from the aspects of main body of rural finance supply of rural financial marketand the relationship between supply and demand, and the organization system, ruralfinancial management system, the property rights in rural financial institutions and ruralfinancial organization and the operation mechanism. Domestic mainly from the ruralfinancial suppression, rural urbanization and rural financial development, rural financeand the reform of public finance system and new types of rural financial institutions andso on. The main theory of rural financial development to the rural credit subsidy theory,rural financial market theory, imperfect competition market theory, the local knowledgetheory and the theory of financial restraint. Based on the study of China’s rural financialdevelopment mainly of the initial stage of reform and opening up to the culturalrevolution, rural finance since the three stages of the development of rural financialdevelopment period and the new period.In the development of rural financial status of Xiangxi ethnic minority areas, themain research from three aspects of rural financial management main body of ruralfinance, deposit and loan business and the rural financial market share. The ruralfinancial management main body is subdivided into rural formal finance and informalrural finance main body. And summarizes the main body of the rural financialmanagement in Xiangxi. Rural financial deposit and loan business is doing researchusing the data in recent years. Through the research of present situation, summarizedseveral main problems of Xiangxi rural financial development. Dynamic mechanismand the construction of rural financial development, and makes an empirical analysis inrural Xiangxi, Baojing county finance as an example.In the course of the study, combined with other related outstanding research results,starting from the actual situation of Xiangxi rural financial development, find out theproblems and the restrictive factors, dynamic mechanism and then uses the theory of the construction of Xiangxi rural financial development, the rural financial developmentcountermeasures of Xiangxi minority areas.Through the analysis and summary of the development of rural finance, tampfoundation, speed up the development of rural economy, deepen the reform of ruralfinancial system, promoting rural financial hard and soft power, give full play to therural financial institutions to serve the "three rural" role, the government provides morefavorable policies and financial support, the formation of long-term mechanism topromote rural financial development strategy is to optimize the the path of thedevelopment of ethnic areas in Xiangxi rural finance.