The Research Of Xiangxi Rural Finacal Exclusion

Xiangxi Tujia and Miao Autonomous Prefecture is an area of key nationaldevelopment and poverty reduction, as the main battlefield of Wuling Mountain AreaRegional Development and poverty alleviation in Hunan Province.In2013, the townshipdwellers average per person disposable income16,000Yuan, grow13.5%; The farmers’per-capita net income5260Yuan, grow12.4%. Although yields certain result in theeconomic development, but helps the poor also needs to continue to intensifydynamics.In2013, the Hunan rural residents income is8372Yuan, the Xiangxi farmerper capita income and province per capita income have certain disparity, therefore inlight of the Xiangxi actual situation, the government must work out one set of effectivepoverty relief plans, thus achieves good and quick poverty relief effect.The government poverty alleviation work used in different ways, have the wholevillage advancement, participatory, industry, finance and other poverty alleviationpoverty alleviation mode method, each plays the effect of poverty alleviation, but toachieve the ideal and reality of poverty reduction has a certain gap.The governmentfrom "Blood Type" to "Blood Type" poverty alleviation, let many people across thecountry can solve the problem of food and clothing, now to reach the well-off stepsforward. Countries are also actively guide financial institutions to participate in povertyalleviation, in combination with the practical situation of poverty alleviation, offer agreat support in policy, promote the poverty alleviation and development. In this paper,based on the perspective of financial exclusion,have countermeasure research ofXiangxi rural financial.By Xiangxi Yongshun County308households in the form of aquestionnaire to understand their thoughts on financial institutions to see if they sufferfinancial exclusion.Found that most of the farmers affected by the financial exclusion inthe survey, which mainly affected self-exclusion and customer proximity resourceexclusion is more serious. Many farmers lack the financial knowledge to understand,some of the farmers themselves because of personal reasons, do not want to deal withthe bank that it did not play a role.And there are some farmers have loan demand, butbecause of the bank-related requirements will restrict lending within its scope,leadingfarmers unable to obtain financial support through financial institutions,turning privateloans,which increased the social risks,but also easily lead to illegal fund-raising.The textis divided into six parts,for Western financial developments,together with the villagecadres to collect a sample of household survey of households characteristics,characteristics of social capital,financial services area, family characteristics,exposureto financial difficulty of the services of these five analysis.Using Logit empiricalanalysis it by the factor of financial repel, was discovered that to the age of peasanthousehold, whether is the head of household and to financial institution satisfaction and whether is the village cadre has the remarkable function.To the path analysis of realdiagnosis result, discovered that peasant household’s question to the financial demand,is improving the financial institution grade of service, to enlarge in view of peasanthousehold financial product development and other aspects completed the rural financedevelopment. And it attaches importance to the rural finance development, which willtake the government to transform as the leading poverty relief pattern in the past into thegovernment, bank and peasant household. The three participates in the poverty reliefthrough development together.