The Analysis Of Regional Differences About Chinese Rural Finance

Financial exclusion means that within a certain period of time,due to the availability,availability,and popularity of financial products and services provided by financial institutions,financial needs of a country or region cannot be easily acquired in life.A phenomenon of required financial products and services.Rural areas are more prone to financial exclusion than urban areas because of geographical constraints,low level of farmers'education,poor financial ecological environment,and high-risk agricultural production.Finance is the core of economic development.The healthy operation of the financial system can effectively promote economic development,and the developed economy helps to create a sound financial system.The Party Central Committee and the State Council attach great importance to giving play to the central role of finance in serving "agriculture,rural areas and farmers",and always take the deepening of rural financial reforms,sound policy support,and promotion of financial innovation as the main direction of attack,and actively construct the inclusive financial system.Through in-depth study of the regional differences and influencing factors of rural financial exclusion in China,this article can formulate mitigation measures according to local conditions,improve the status of financial exclusion in rural areas in China,and provide new solutions to solve the problem of rural financial exclusion in China and narrow the gap in rural financial development in various regions.The theoretical perspective.First,it elaborates the relevant theoretical basis of financial exclusion,based on a certain analysis of the behavioral preferences of rural financial subjects,discusses the formation mechanism and impact effect of rural financial exclusion;secondly,it summarizes the development status of rural finance in China,and points out the rural finance in China.Existence and regional differences of repulsion;once again,establish a six-dimensional financial exclusion evaluation system consisting of geographical exclusion,self-exclusion,marketing exclusion,evaluation exclusion,conditional exclusion,and price exclusion,and apply the coefficient of variation to weight the indicators of each dimension.Calculate and rank the financial exclusion index in rural areas in 31 provinces and cities in China.Then,use SPSS 17.0 software to use the Ward method to perform regional clustering on rural financial exclusion in China.The results show that rural areas in China There are obvious regional differences in financial exclusion,and the state of financial exclusion can be divided into three categories;then,using the Pearson correlation coefficient method to calculate the correlation degree between the eight selected influencing factors and financial exclusion index,the empirical results show that the rural residents per capital Disposable income,rural people Factors such as average consumer expenditure,employment status,economic development status,financial development level,agricultural level,per capital fiscal expenditure,and urbanization level have a significant impact on rural financial exclusion.Finally,based on the findings of this study,Three major countermeasures have been proposed to ease the problem of financial exclusion in rural areas in China:one is to build a generalized financial system;the other is to improve the rural financial ecological environment;and third is to formulate mitigation measures based on local conditions.