The Study On Financial Support To The Rural Economic Development Of Heilongjiang Province

Heilongjiang is a major agricultural province with a total agricultural populationof18,898,000people, accounting for49.2%of the province’s population. All its citiesand counties have developed agriculture. All the agricultural population of countiesunder the jurisdiction of Harbin, the largest city in the province, is larger than that ofthe city. Farmers’ entering cities, agriculture industrialization, and rural urbanizationis an irreversible historical trend. In addition, financial support for economicdevelopment in agriculture regions is an obligatory responsibility.To start from the most basic Three Rural (rural economy, rural development andrural demography), and cultivate new city groups cannot do without the financialsupport and financial innovation. However, the reform and innovation of China’sfinancial field has relatively lagged, in lack of financial tools, and especially the lackof the support for Three Rural is obvious.The economy of Heilongjiang Province in the country is relatively backward,with its financial development and services also being lower than the national averagelevel, its financial structure being unreasonable, the bank still being monopoly, thedevelopment of non-banking financial institutions relative lagging, the formation offinancial assets relying on bank loans too excessively, the proportion of directfinancing being too small, the strength of support for agriculture being small.Therefore, to make the Heilongjiang financial development and rural economicdevelopment match, this essay, based on theories on regional economy and finance,studies financial support for Heilongjiang’s agricultural economic development underthe background of the overall economic development and related issues. Also, on thebasis of reality of economic development, this essay has collected all levels of urbaneconomic development and financial support data in Heilongjiang province forempirical research, in order to explore the construction of the path and pattern offinancial support to promote the regional economic development in Heilongjiangprovince. This essay attempts to crack of the hard nut of China’s four majorstate-owned banks about rural loans, on the basis of full advantage of farmingcultivation system management, and the implementation of the "bank farm basedcooperation, win-win" mode of development. Furthermore, it preliminarily exploresagriculture-related loans to individual development pattern, with "agricultural credit" brand as the main body, actively expands "farm loan","housing loan","agriculturalcredit","purchase loans" and other agricultural products. Starting with the financialsupport of rural social basic micro subject-farmers, we can promote the rural microenterprises, and promote the rural social urbanization.