Study On The Measurement And Influencing Factors Of Rural Financial Service Level In Heilongjiang

In order to realize the reform of rural finance in China,the first goal is to effectively improve the level of rural financial services,and constantly promote the full coverage of rural finance.In recent years,people pay more and more attention to the role of Finance in promoting regional economic development,especially for the rural areas of developing countries,the role of financial promotion is obvious.Factor calculation method on the level of financial services and the influence and study of domestic and foreign scholars have been devoted to developing rural financial macro direction to explore,for the effective use of financial policy of a country or region's economic development provides an important theoretical basis.The main content of this paper is the first in the home and abroad research achievements on the establishment of evaluation system of rural financial service level in Heilongjiang Province,Heilongjiang Province,the rural financial service level to the actual evaluation.For the general situation of obtaining financial services in rural areas of Heilongjiang Province,this part from the aspects of supply and demand of financial services in 67 counties of Heilongjiang province(city)level of rural financial services in 2015 to the actual evaluation,the results showed that the overall service level of rural finance in Heilongjiang is relatively low,only Suifenhe and other five counties(city)at a high level in addition,this paper has conducted the research and analysis of multiple factors affecting the level of rural financial services quality in Heilongjiang Province,and the reference to the research on factors affecting the level of financial services at home and abroad,puts forward the related hypothesis,and using the panel data model to empirical test.Through the empirical test shows that many factors affect the level of rural financial services in a certain area,the region's economic development level,health system development and security level,the employment rate,the level of information technology and the level of urbanization has a positive correlation to the effect is very obvious.The research on the level of rural financial services in Heilongjiang province of Heilongjiang province for policy implications: the key to enhance the level of rural financial services in Heilongjiang province is to strengthen rural financial infrastructure construction efforts,efforts to improve the ability of credit services,financial services cost effectively bottomed out,the development of rural financial service innovation mode.