Research On The Rural Financial Resources Allocation In Heilongjiang Province

Our country is a traditional agricultural country, rural finance is the core of the rural economy, has provided important support for the development of rural reform, achieved good results. Issued the central file No.1-"about comprehensively deepen rural reform to accelerate agricultural modernization of several opinions"in2014, and put forward:speed up the rural financial system innovation, improve the rural financial related opinions related to the agricultural subsidy policy, it is to promote rural reform and agricultural production and bring great changes in rural finance of China, No.1files for11consecutive years locking "rural" theme from2004onwards. In2013,"the two great plains"modern agriculture in Heilongjiang province comprehensive reform trial overall plan began launching, and plans to launch innovative rural financial products and services, establishing agricultural loan guarantee mechanisms, build new agricultural insurance system and other matters related to the development of modern rural financial reform.This marks a test of the new round of rural economic and social reform took the lead, rural financial work a new face of development in Heilongjiang province.Although rural finance has made considerable progress in Heilongjiang Province, but the rural financial development is also facing many problems and challenges, allocation of financial resources in the rural heart of rural financial development in Heilongjiang Province, the study of rural financial resource allocation problem is imminent.Based on the combination of empirical analysis and normative analysis, qualitative analysis and quantitative analysis, the combination of literature research and analysis method of combining the yearbook data collection, through the combing of the rural financial resources allocation of literature at home and abroad related to the rural financial resources allocation concept definition and theoretical basis of research, in Heilongjiang province as the research object, investigate the allocation of financial resources in Heilongjiang province and the related data are summarized, the paper analyzes the current situation of Heilongjiang province rural resources allocation efficiency, through the relevant data and empirical validation, established the influence model of the factors influencing the Heilongjiang province rural financial resources allocation efficiency, and result judgment restricted influence in Heilongjiang province by using the model the main factors of the rural financial resources allocation efficiency is low, analyzes the problems existing in the rural financial resources allocation in Heilongjiang province, puts forward the corresponding countermeasures and Suggestions. Studies show that Heilongjiang province rural allocation of resources has made great achievements, but in the countryside resources configuration process there are still some problem that nots allow to ignore: the absence of agricultural financial institutions function, the rural financial resources outflow is serious, narrow financing channel for supporting agriculture, the rural financial agricultural service variety affected the Heilongjiang province rural financial problems such as lack of rapid development. This paper puts forward that, to promote agricultural reform and innovation of financial institutions, the establishment of rural financial resources flow mechanism, to broaden the financing channels, financial institutions to implement the diversification of rural financial services products such as countermeasures, it is to solve the fundamental way out for the rural financial resources allocation problem in Heilongjiang province.