Research On The Development Of Rural Inclusive Finance In Maoming

In 2015,Guangdong on deepening the reform of rural financial construction pratt & Whitney's opinions on the financial system for rural pratt &whitney financial construction put forward specific requirements.The opinions of the planning is through 3 to 5 years of work,basic perfect pratt &whitney financial work in rural areas of guangdong province,in rural areas of financial resources,a significant increase in financial resources in rural areas have got improved,significantly improved its financial services in rural areas,were completed pratt &whitney rural financial system.Uneven distribution of financial resources between urban and rural areas,rural financial institutions,loss of service system,the rural capital outflow serious and a series of problems caused the rural economic development,the availability of services and financing required is far lower than the city,the universal problems of financing difficulties,financing your in rural areas.R ural financial resources shortage problem,seriously restricted the agricultural development and farmers' life level.Maoming city is the famous \ "three highs\" agriculture area in guangdong province,maoming there are similar problems.In September 2014,gaozhou county and electricity by the provincial government organizations establish pratt &whitney for the province's first rural financial experimental zone,maoming financial system will strengthen the construction of maoming rural pratt & Whitney test area as a very important research work and practical work.This paper mainly studies the current situation of the development of rural Inclusive Finance,this paper uses the literature method,comparative method and case method to select the rural Inclusive Finance in Maoming as the research object.The paper firstly introduces the background,significance,writing ideas,research objects and methods,and the rural inclusive finance research literature at home and abroad are summarized,pointing out that the current study status of rural financial inclusion and lack of improvement.Then it introduces the theory of financial deepening and financial repression theory,incomplete market competition theory,market equilibrium theory,agricultural credit subsidy theory and the long tail theory.Then analyzes the current situation of the development of rural finance in Maoming C ity,including the farmers' access to financial services is difficult,the rural financial service tool single,lack of innovation,poor financial ecological environment,policy supporting imperfect and the financial demand in Maoming,as well as the main design practice of Inclusive Finance Building in Maoming city are analyzed,including: the establishment of an inter departmental coordination mechanism,and steadily push forward the reform of rural financial institutions,promote agriculture credit product innovation,poverty alleviation,promoting the construction of rural credit system to expand coverage,inclusive financial services insurance institutions function insurance,help agriculture development.And then analyzes the main problems of Maoming rural inclusive financial development and causes,mainly rural inclusive finance construction lack of top-level design,the main supply of rural Inclusive Finance is still insufficient,partial financial support funds,poor sustainability of rural property rights reform lags behind,the suppression of rural financial supply,the financial leverage of the credit funds has not been fully played.The problem of the problem,because of Maoming's economic development level,financial development is not perfect,two yuan of economic structure constraints and other reasons.Then the analysis of advanced foreign experience and practice of rural inclusive finance development,learn from the advanced experience and practice of rural inclusive finance development,finally combined with the local actuality of Maoming C ity,Maoming C ity,the development of rural financial inclusion node provides the decision: to improve top-level design,from top to bottom and promote the development of Inclusive Finance,improve the policy support and market participation with the development of mechanism,the establishment of a multi-level,moderately competitive rural inclusive financial system,improve rural property right,mortgage,evaluation mechanism and improve the fund supply in rural areas the positive incentive policy support system and improve the regional financial environment etc..Through to maoming rural financial development pratt &whitney in-depth analysis of actual case,hope to achieve the goal of ascension of maoming rural pratt &whitney financial development,also hope to the economic development of underdeveloped regions in rural pratt &whitney finance can provide the reference.