The Study Of Jilin Province Rural Informal On The Relation Betweenfinancial Development And Peasants Income Growth

Building a well-off society in China, focusing on rural areas, difficulties in rural areas, no farmers ’ well-off, there can be no national people’s well-off. "Three agriculture" problem is the core of the problem of farmers, farmers ’ income is the key problem of farmers, and farmers ’ income without financial support. As a big agricultural province, Jilin province, to solve the "three rural" problem and Jilin province, farmers ’ income is not only "three whole" internal request to development strategy, more a matter of Jilin province’s future economic development in the province. But due to the limited geographical and historical conditions, farmers in Jilin province has limited financial resources, policy coverage of funds narrow, formal financial institutions is to reduce costs and spread the risk less put in considerations of rural credit, various reasons lead to farmers to obtain finance from formal financial channels, in the face of the growing contradiction between supply and demand, farmers have turned to non-formal financial channels for financing. For a long time, informal financial problems have been ignored by government departments and the financial supervision authority has not obtained the status commensurate with their status.Then the article starting from the theoretical basis and the situation of the countryside of Jilin province, from the urban-rural dual structure, small features, system and policy analysis on environmental aspects of my province, informal finance and development reasons. Second, paper using Jilin province rural financial research center in province nine a to City State 29 a County(city, and district) 68 a township 91 a villages issued of survey questionnaire filter out related data, on I province rural non-formal financial of main form(civil borrowing, and farmers professional cooperatives internal carried out of funds mutual and collective cooperation organization funds mutual,) and scale for has General and analysis. Again, based on farmers ’ incomes and borrowing data for the empirical analysis of informal finance is obtained within the informal finance in rural area in Jilin province on conclusion of the growth of farmers ’ income has a positive effect. This paper argues that informal finance in rural development and farmers ’ income mainly depends on the rural physical capital investment increase, the increase of rural human capital investment and the transfer of rural surplus labor. Finally, the informal financial regulation and the growth of farmers ’ income policy recommendations...