Research On The Influence Of Interest Rate Marketization On Rural Financial Market

The gradual progress of interest rate marketization has put forward higher requirements on the development mode and management ability of financial institutions.Rural financial markets are vulnerable to huge shocks due to imperfect development.On the basis of the existing rural financial development theory,combing the management mode of financial institutions is conducive to the development of multi-level capital market theory.This paper is divided into six parts.The first part and the second part explain the background significance of the subject,sort out the relevant literature of the subject,and summarize the relevant theoretical basis;The third part introduces the process of interest rate marketization in China,and analyzes the basic situation of China's current rural financial market from the perspective of both supply and demand of rural financing.The main body of rural financing presents a diversified development trend,financing satisfaction is not high,the market appears " supply exceeds demand" financing relationship.The fourth part of the article mainly talks about the influence of interest rate marketization on the main body of supply and demand of rural financing and the corresponding situation of each main body.The fifth part of the article mainly summarizes the impact of interest rate marketization on the main body of the rural financial market,resulting in the overall supply-demand relationship,financing efficiency and market competition environment.The sixth part is the conclusion and suggestion.In the short term,the competition efficiency of rural financial market is not high enough,interest rate marketization is not enough to promote the balance between supply and demand,but in the long run,the rural financial institutions have the will to improve the pricing mechanism,financial institutions to pursue a diversified profit model,improve the overall quality of rural areas,the impact of risk factors will be weakened,the market increasingly perfect competition mechanism brings the improvement of operational efficiency and financing efficiency.