An Empirical Study On The Influencing Factors Of Supply And Demand Of Rural Consumer Finance And Its Optimization

Consumer finance refers to a series of financial products and services provided by financial institutions to individuals or households to solve their consumption problems.Developing consumer finance,as a new economic growth point under the background of economic transformation,restructuring and development of inclusive finance,can stimulate consumer demand and stimulate economic growth.To study the influencing factors and optimization of the supply and demand of rural consumer finance in Ji'an City,study the development course of consumer finance in Ji'an City,and offer suggestions for the economic development of Ji'an City.It has theoretical and practical significance on how to use professional consumer financial service system and rural consumer financial supply and demand system to boost domestic demand and promote economic growth.This article first uses rural consumer finance related theories such as rural Jinrongshichang theory,Keynes' s effective demand shortage theory,and absolute income theory,Modilianni's life cycle theory,and Friedman's persistence,Income theory is based on,On the basis of systematically summarizing and summarizing the existing research achievements at home and abroad,the present situation of supply and demand and existing problems in rural consumer finance in Ji'an City are analyzed by means of field survey,empirical analysis and systematic analysis.And using the model analysis to collect the data to carry on the empirical analysis,then obtains the key influence factor that affects the development of rural consumer finance in Ji'an city.Then,according to the empirical analysis results,the author will put forward the optimization suggestions from the government level,financial institution level and consumer level according to the current problems of rural consumer finance in ji'an city,and draw on the experience of rural consumer finance development in the United States.