Study On The Construction Of Rural Financial Information Service System Of Heilongjiang Province

In recent years, countries continue to pay attention to "three rural issues".This fully shows the important role of "three rural issues" in the China social history in the process of development."12th Five-Year Plan" pointed out:Encouraging conditional area to the county for community banks to establish units, small rural financial organization development and micro finance.Improving the rural financial services.Heilongjiang province has a vast territory, is the first major grain producing province in China.In recent years, Heilongjiang province actively respond to the call of the country, has always attached great importance to the "three rural issues", and strive to improve the rural financial services.But rural finance development of Heilongjiang province lags behind, a serious shortage of supply of rural financial credit, information asymmetry between fanners and financial institutions, seriously restricted the development of rural economy in Heilongjiang Province.Therefore, the paper analyzes the supply and demand of rural financial information service in Heilongjiang province, studies the impact of asymmetric information by using the game theory, thus put forward the construction of Heilongjiang rural financial service system of information thinking.Based on a review of the current research situation of information service in rural finance home and abroad, defines the concept of rural financial information service.And explained the relevant concepts and theories of rural financial information service.Including the related theories of the information service, rural financial market and information management, but also introduced the game this research needs on the aspects of the theory and model.The paper analyzes the present situation of rural financial information service in Heilongjiang Province, considered from the two aspects of rural financial supply and demand information service.On the demand side.the paper analyzes this problem through rural financial information service needs, access to information, kinds of information demand, demand subject characteristics and influence factors.On the supply side, paper analyzes this problem from the main body of financial information services in rural areas and the status, obtains the rural financial information service is supply and demand imbalance in Heilongjiang Province, and analyzed the reason of supply and demand imbalance.Using the method of game theory analysis of game strategy of financial institutions and farmers under the condition of asymmetric information, found in the asymmetric information, the two sides of the game is difficult to reach the equilibrium state.Then introducing the government to join, to solve the problem of asymmetric information hypothesis, founding if the information symmetry, the game between the main body will be repeated game, will eventually achieve a win-win situation of the state.Therefore, to solve the problem of information asymmetry is particularly important for the development of the economy of Heilongjiang Province.This paper points out ideas of the construction of rural financial information service system of Heilongjiang Province, including system construction target, construction principle, the construction of the framework, system function and system construction of security.The construction includes a main body and the functions of the system.System security support system, including information resources of information transmission and information organization system.