The Development Of The New Type Of Rural Financial Organizations Research Based On The Rural Financial Demand In China

The financial industry is the lifeblood of the national economy. Rural finance is the most important of the financial industry. The new rural financial organizations such as village banks, loan companies and rural mutual cooperatives are the heart of the rural finance. The question of how to develop and how to build a feasible and effective rural financial service system has plagued rural economic scholars.Although China’s rural financial organization system has changed rapidly, many problems still have not been effectively solved. At the same time, due to the growing demand of rural financial services provided by the formal rural financial organizations, the corporation management structure is still not perfect and so on, which leads to the main demand of the rural financial services cannot be satisfied by the formal rural financial organizations. Therefore, the emergence of the new type of rural financial organization can be an alternative resources to provide additional services for the lack of existing formal rural financial organizations. As a result, how to establish an efficient, healthy and orderly new rural financial organization system is incumbent to be solved.This paper introduces the research background, and the problems in the rural financial development in China. First, the paper introduces the development status of China’s new rural financial institutions and constraints, mainly from two aspects:development profile angle analysis and operational efficiency, as well as analysis of influencing factors restricting the development of China’s new rural financial organizations. Second, by analyzing the basic situation of China’s rural areas, the category, the financial demand of the rural areas, on the one hand, according to the demand of the main division again stage, we take advantage of the "information entropy" physics theory, and then the influencing factors of the farmers’demand for credit. After the comprehensive analysis of the results and effective demand conditions, as well as the target body, this paper summed up the three characteristics of China’s current demand for rural financial development. Finally, on the basis of endogenous growth theory, the relationship between the growth of the level of development of China’s new rural financial organizations and rural financial demand are examined. And the new rural financial organizations’impact on the future economic development of rural areas are obtained. In the end, on the basis of analysis of the rural financial demand, the suggestions for the development process of new rural financial organizations are given, and this will promote their future development.