Research On The Rural Credit Exclusion Degree And Its Influencing Factors In Gansu

With deepening reform of agriculture modernization,rural economies have been made a rapid development.However,rural finance developed relatively slow and financial supply and demand were inconsistency,especially in undeveloped rural region,which existing serious problems of rural credit exclusion.The service level of rural credit directly influences total financial development.Solving rural credit exclusion problems is the inevitable course of the inclusive financial development and the necessary choice of rural financial deepening reform.Because of some objective influences,Gansu rural credit service level is lower in the national ranking,no matter in its depth or breadth.So,dealing with Gansu rural credit exclusion problems systematically is beneficial to enhance rural financial institutions' funds supporting to agriculture in new situation and makes referential meaning to optimize supply structure of rural financial reforming.The paper made some qualitative analyses to the current situation of rural credit exclusion by plenty of references consulting and data collecting.At same time,on the bases of Six Dimension Model,the paper discussed the reasons of rural credit exclusion.It shows that Gansu rural financial supplying is weak and agro-credit supply institution is simplex,the growth rate is unstable,the relative scale is shrinking and poor lending is huge.Main rural financial institutions have an obvious feature of exclusion on branches' establishment,market positioning,condition setting,valuation approaches and price fixing.Using TOPSIS comprehensive analysis method,the paper analyzed the degree of rural credit exclusion.The results showed that there is a huge regional discrepancy.Dingxi(0.97),who is the highest,and Jia Yuguan(0.26),who is the lowest region,which shoes a big span to0.71.Spatial pattern is obvious,east and middle part of Gansu reach to 0.95 and 0.92.In the time scale,Gansu rural credit exclusion stands in a high level of 0.8~0.9.But rural financial reforming could release it recently,which means financial deepening can cut the exclusion degree down.Through unit root testing,co-integration analysis and error correction analyze the influence factors of Gansu rural credit exclusion.The results showed that employment structure in the rural areas,agriculture technology modernization rate and rural GDP make an reverse acting to rural credit exclusion,no matter in short or long term,which means the solving of rural credit exclusion problems depends on the elements of development of village and agriculture,the feature of farmers and the optimization of rural external economy environment.On bases of above conclusions,there are several suggestions: Striving to develop inclusive financial and deepening rural financial reforming.Persisting positive policy guidance and perfecting rural financial operational mechanism.Reinforcing agricultural insurance and subsidy and leading social funds flow into rural region.Strengthen construction of agricultural modernization and improving rural financial eco-environment.Enhancing humanities foundation construction and improving famers' cognitive ability of financial knowledge.Consummating public finance system and providing the development of rural finance.