Study On The Problems And Countermeasures Of The Development Of Rural Finance In Xinjiang

Finance is the core of modern economy,rural finance is an important supporting force to promote the development of rural economy,improve the living standards of farmers and the modernization of agriculture.Along with the development of the rural economy,rural financial demand gradually diversified,multi-level,and the supply of rural finance still has inhibition,can not meet the financial needs of the non equilibrium characteristics of rural financial supply and demand significantly restrict the rural economic and social development.Therefore,it is helpful to the development of rural economy and the prosperity of finance to change the problem of restraining the rural financial supply and promote the balance between supply and demand.Since the development of the western region,the rural areas in Xinjiang have changed rapidly.Despite the harsh natural conditions and fragile rural ecosystems,but compared to the past Xinjiang agricultural production conditions have been greatly improved.Xinjiang rural financial development level is not high impact on the development of agriculture,resulting in Xinjiang rural economic development level is not high,farmers income is not high.This paper,according to the current situation and major problems of rural finance in Xinjiang at present and its causes,put forward in the construction of rural financial system,to further deepen the reform,establish and improve the rural financial institutions and financial organization levels;in the direction of the service,to further strengthen the "three rural" in the policy responsibility;with the legal level,to further increase efforts to support the "three rural".At the same time,it is necessary to strengthen the rural financial supervision,and make the rural finance fully play its due role in promoting the development of rural economy.This paper is divided into five parts,the first part is to review the research results at home and abroad,and put forward the research ideas and methods.Second,combing the theory of rural financial development,laying the theoretical foundation for this study.Third,from the perspective of rural financial supply and demand in Xinjiang,this paper analyzes the current situation of rural financial development in Xinjiang.Fourth,the lack of effective supply,Xinjiang rural financial development of rural financial institutions is not balanced,single service products,unsound internal management system of agricultural insurance,its high rate of compensation,the scope of agricultural insurance is not wide,farmers participation enthusiasm is not high,the operating costs of agricultural insurance problems,in-depth analysis of the existing rural financial development in Xinjiang the problem.Fifth,combined with the current situation and existing problems of rural financial development in Xinjiang,some countermeasures are put forward.