Research On Demand Of Rural Financial Service Demand And Is Influencing Factor

Rural finance is an important part of the financial system in China,financial services in rural areas and cities play an important role,the development of rural financial services not only helps to reduce the income gap between urban and rural areas, and to build a new socialist countryside and a harmonious society has important significance.To solve the rural economic development bottleneck,want to understand financial role in it,Qi county financial and economic development unbalanced between town and country,the current status of rural financial services problems,analyzed the financial needs of external factors and internal factors,perfect the financial system based no current situation,to provide the necessary protection for development of the rural economy.This article adopt the questionnaire,from the present situation of rural financial services and problems,use the method of empirical validation of external factors and internal factors affecting rural financial demand,put forward the proposal?The first part is the research background, research purpose, methods,domestic and foreign reseaech dynamic.To define financial demand theory, this paper is the research thought and approaches.The second part details on the domestic and foreign financial theory research, there are three different theories abroad, Subsidized Credit Paradigm, agricultural credit subsidies theory, rural financial market theory and imperfect competition market theory, the domestic abroad study combines is put forward on the basis of the rural financial development theory, theory of rural financial system, regional financial theory. Different research at home and abroad, through the comparison, our country should also focus on the coordinated development of regional finance, the focus on financial needs of the vulnerable groups, and gradually eliminate the urban and rural dual structure, improve the operating efficiency of financial institutions, establish financial system.The third part is the study of regional present situation of financial services, through the research to the government, financial institutions, analysis of the current exist certain financial repression, meanwhile, through the questionnaire data collection of farmers and agricultural enterprise, sums up the existing financial service characteristics, find out the various factors influencing the demand of financial services, thus summarizes financial demand the needs to solve problems, one is with total satisfaction gap is larger, the rural financial demand amount expands unceasingly, and satisfaction for three consecutive years of decline gradually; Second, farmers and rural financial demand is seasonal and fluidness, financial demand relatively concentrated in the first quarter, most farmers financing has no fixed time; Three rural financial demand is small, high-risk, high-cost nature characteristic, due to their individual value of the mortgaged property, income flowing water, the influence of the property's value, small amount of loans to farmers, financial institutions to small.The fourth part is the influencing factors of rural financial service demand analysis, respectively from the external factors and internal factors are analyzed, and respectively in the internal factors to farmers and agricultural enterprise perspective are analyzed, in terms of farmers, selected the income standards, the degree of arable land, culture, age four factors are analyzed; In terms of enterprises, selected the enterprise set up fixed number of year, head of the education degree, enterprise scale, enterprise sales four factors are analyzed.The fifth part is conclusion and policy suggestions, through to the present situation in front of the analysis and the analysis of the internal and external factors affecting the research area of financial services put forward relevant policy suggestions.