Shandong Rural Financial Development Promotes Research Of Farmers' Income

Previous single small-scale peasant economy began to scale farming economy;small and micro enterprises in rural areas began to increase,leading to increased demands for funds,and at present,the rural financial services and cannot meet the new situation and new changes.How to scientifically plan and design the rural financial service system,so that it can better meet the needs of the development of rural economy,is an urgent need to solve the problem.The purpose of this paper is the selection of rural economic development is relatively rich in Shandong Province,their study of rural financial development status,explore the relationship between the rural finance and the income of the farmers,looking to promote the best path to the income of the farmers,and to develop rural finance to promote farmers' income increases the policy suggestion is proposed.Through the field survey and interview,the condition in Shandong Province,over 200 peasants in rural finance to promote the income of farmers has been investigated.Shandong rural finance to promote farmers' income to carry out the current situation is not satisfactory,the reason is by the rural credit supply block,the credit needs of farmers has been hindering the backdrop of farmers,such as loans to farmers backgdrop vague and distrust credit record,the income condition of the farmers relatively poor and lead to higher risk loans,and poor economic conditions of farmers and vicious circle and so on.According to the problems existing in the investigation and analysis and the hindering factors,it puts forward the policy suggestions to promote the development of rural finance in Shandong.To change the government functions,the financial support for farmers' income is an urgent need for government intervention.Need to re carding the financial system functions,to provide comprehensive financial service "agriculture".For the rural credit guarantee institutions is far from enough,need to improve the rural credit guarantee system as soon as possible.Formulating cooperative financial laws and regulations should strengthen policy incentives and guidance,and comprehensively strengthen the construction of risk compensation mechanism.Continuous innovation of credit products,to support thedevelopment of new rural financial organizations,scientific and technological innovation and financial services.In addition from the stock market,commercial banks,policy banks and public credit organizations,as well as the P2 P network lending platform to raise public equity,building a multi-level convenient financing service system and the development of rural finance to promote farmers' income advice.