Research On The Influencing Factors And Countermeasures Of Rural Inclusive Financial Development In Xiamen

In recent years,with the gradual transition from traditional agriculture to modern agriculture,the economy in rural areas has developed rapidly,but the financial resources in rural areas are still unevenly distributed,the construction of financial service system is lagging behind,and the inclusive financial awareness is not strong.Most farmers The lack of effective financial services still affects the economic development of rural areas to a certain extent.Taking into account the actual situation in China,developing agricultural economy,increasing farmers' income,and realizing rural revitalization require substantial support from credit funds.However,rural households are more dispersed,which also greatly increases the transaction management costs of formal financial institutions,and also reduces the enthusiasm of formal financial institutions to provide credit services to farmers.As an innovation of financial services,Inclusive Finance allows more low-income groups and small and medium-sized enterprises to enjoy quality financial services.The infrastructure level in rural areas of Xiamen has been steadily increasing in recent years,the coverage of financial services has been greatly expanded,and inclusive finance has developed to a certain extent,but there are also some problems.In this context,this paper has carried out the study of the rural inclusive finance in Xiamen.The research ideas of this paper are as follows:first,the literature of scholars at home and abroad on Inclusive Finance is combed,and the main achievements and shortcomings of scholars at home and abroad on Inclusive Finance are understood and the theoretical foundation for the writing of the thesis is laid.Secondly,it studies the origin and theory of Pratt and Whitney finance from the aspects of the connotation,characteristics,function and realization way of Pratt and whiten finance.On the basis of the related research,it designs the rural inclusive financial index system in Xiamen,on the basis of the specific situation of the rural areas in Xiamen,and on the basis of this index system,the rural benefits of Xiamen are generalized.The status quo,problems and causes of financial development are analyzed accordingly.Finally,this paper empirically analyzes the factors influencing the development of Inclusive Finance in rural areas of Xiamen,and finally puts forward corresponding policy recommendations.The research shows that:first,in the 2000-2017 years,the development index of inclusive financial development in rural areas of Xiamen is between 0 and 0.3,and the overall development level is relatively low.However,from the trend,between 2000-2017 years,in addition to 2010 and 2011,the overall trend is rising,indicating that the rural financial environment in Xiamen has been improving in recent years.The level of urbanization in the second,first regions,the level of regional economic development,the efficiency of financial development and the level of savings have shown obvious positive effects on the level of Inclusive Finance in various regions,and the significant test has been passed on the level of 1%,while the influence of information level,education level and the gap between urban and rural income on the general financial level is not obvious.It has no positive impact on financial development.Third,there are many problems in the development of Xiamen's inclusive finance,such as the mismatch between the demand and supply of the rural residents,the serious loss of rural capital,the low participation of the financial institutions in the rural market,the innovation of the rural inclusive financial products,the improvement of the rural inclusive financial environment,and the need to strengthen the construction of the infrastructure.The financial public service system and the government's support are strengthened to guide the financial institutions to sink in the countryside,to establish a multi-level and inclusive financial institution system and to diversify the diversified rural inclusive financial technology and products.