Analysis On The Factors Of Influencing Heilongjiang Province Rural Credit Capital Flow Under The Segmentation Of Financial Market

Entered in the twenty-first Century, since2004, the government work report put " the three agriculture problems "as the priority among priorities in the work of the government for12years, the recent" Twelfth Five Year Plan "and" the financial sector development and reform "the twelfth five" planning "also proposed to improve the village’s economic, increase agriculture support, improve the level of financial services. We can see, the "three rural issues" in a very important position in central work for a long time. With the city’s integration process, our province city industrialization and city is also in constant depth, however, the segmentation of rural financial market in our province still exists. Credit funds as a very important factor of regional economic development, can not be balanced flow between financial institutions and other channels, that has seriously affected the balanced economic development among regions. Because the agricultural production has a strong natural risk and rural areas, the poor investment environment, that all to make substantial inflow of funds into the city, or into the economically developed rural areas. Under the financial market segmentation, credit funds flow is not only affected by the market mechanism, but also by local or national policy. All local governments are trying to put the money in his jurisdiction, local construction. And, because of the national attention to the "three rural" work, a series of different forms of credit funds into rural areas, for example, subsidized loans policy funds, increase rural area credit, thereby inhibiting the funds in the profit driven flow in different regions.To solve the above problem, this paper focuses on research under the financial market segmentation environment the factors affecting rural credit funds flow, the main method we used is normative analysis and empirical analysis. The first part, based on review the numbers of the literature, account of the research background, purpose and significance of this paper; after the adoption of the relevant studies are summarized, summed up the entire contents of this paper; the second part, it is important to support the theory of this article, after study on the basis of relevant theories, expounded financial market segmentation and credit flows related concepts and theoretical basis; the third part, the first for the province segmentation of financial markets in general description, on this basis, based on the F-H model and univariate analysis to check the rural financial market segmentation, to prepare research the factors for rural financial credit flows; The fourth part to analyze the characteristics of Fleilongjiang Province rural credit funds under financial market segmentation, to pave the way for the empirical analysis below; The fifth part, to analyze the influencing factors of Fleilongjiang Province’s rural credit flows in different financial market environment and then tested by empirical analysis; The sixth, make policy recommendations to enhance the rural credit flows based on the affecting factors of the rural credit funds flow.