Research On The Effect Of Unbalanced Financial Development On Urban-rural Income

"Three dimensional rural issues"—the solution to these problems is to increase the income of farmers and the improvement of their living standards. With human building a well-fixed society, how to increase the income of peasants is related to economic and social development of human a major task. Since reforming and opening up, human rural economic reform has achieved marked success, which includes rapid increase in agricultural output, and a substantial increase in farmer income. But we should also realize that the current rural financial inhibition phenomena in human, which has weakened the whole functions of financial system, and the financial services difficult to satisfy the needs of rural economic development, thereby affecting the growth of the income of the farmers, what is an important incentive reason that the income of peasants in recent years at a level of slow growth and the income gap between urban and rural residents to expand in human province.Between the financial development and the distribution of income gap, there are three different perspectives:fist expanding shrink, expand and narrow. Specific to the impact of financial development on the rural-urban income gap, the key is whether or not the financial development of a "financial broadening" makes rural residents can have access to financial markets. If in the process of financial development for rural residents relatively high barriers to access to financial markets, it will widen the income gap between urban and rural. Instead it will narrow the income gap.According to statistical data analysis, we can see that human's urban and rural economic development through financial channels uneven development has widened the income gap between urban and rural areas, while human's rural financial depression rural residents, the barriers to SME access to financial markets for financing is relatively high. It also widened the income gap between urban and rural. Positive tests also confirmed this point. Solve the problem of the income gap between urban and rural areas, can take the following measures:First of financial regulation. Rural financial markets led the government to change the mandatory system supply model, given to the development of the rural financial system to provide a relaxed environment for innovation, gradually changing to the induction system changes, financial balance urban and rural development. Second, intensify efforts to promote urban and rural areas of financial regulation peasant incomes. These include the following aspects:to curb the outflow of funds, the credit support for SMEs. Credit support to the agriculture and farmers.