Research On The Influencing Factors And Optimization Strategies Of Private Lending In Shandong Province

Since 2004,the central government has continuously focused on "agriculture,rural areas,and farmers",allowing rural areas to receive attention and develop rapidly.With the rapid development of rural areas,the contradiction between the increasing demand for financial services in rural areas and the inability of bank funds to effectively cover the rural market has increased,making rural lending the main way for rural small and micro enterprises and farmers to raise funds.Compared to financial institutions,the country lacks attention and effective supervision to rural lending,resulting in many problems in the process of rural lending behavior.This article takes rural households in rural lending in Shandong Province as the central research object,deeply analyzes the problems and impacts of rural lending,as well as the factors that affect rural lending,and proposes strategic suggestions for optimizing rural lending in Shandong Province,creating an orderly and standardized lending environment for rural areas in Shandong Province.The full text consists of seven parts: Chapter 1 introduces the background and significance of the topic,elaborates on the research in the field of rural lending at home and abroad,and introduces the research content,methods,and innovation points of this article.Chapter 2 introduces the relevant concepts and classifications of rural lending,including the characteristics of rural lending;Chapter 3 combines the analysis of the current situation of rural lending in Shandong Province to study the positive and negative impacts of rural lending on rural development.Chapter 4 analyzes the factors that affect rural lending,analyzes the main entities of rural lending,and points out the changes in the funding needs of "agriculture,rural areas,and farmers";By analyzing the impact of financial markets,we can identify the reasons for the development of rural lending;Analyze other factors in society to further understand the development of rural lending.Chapter 5 analyzes the problems of rural lending in Shandong Province,studying the rural lending system,financial lending order,and regulatory aspects.Chapter 6 proposes optimization strategies for the sustainable development of rural lending in Shandong Province in response to existing problems,and further standardizes the rural lending market by constructing a sound rural lending system and a standardized lending order;By utilizing information technology platforms and improving relevant regulations,rural lending can be legally based and a more orderly and effective loan mechanism can be formed.Chapter 7 is the conclusion and shortcomings,summarizing and discussing the main conclusions and existing problems of this article.