Evaluation And Impact Of Non-balanced Development Of Rural Financial District

Since reform and opening-up, china's economy has been growing at a rapid pace, the total economic output has increased at a very large scale, and thus the quality of people's life has been significantly improved. As rural economy is considered as the ground of stable development of the national economy, the issue on how to effectively utilize the rural finance to boost the growth of the rural economy development and therefore to perfect the structure of rural production reasonably has become the key element of keeping the economy as a whole developing well in a long run.In this paper, systematic comparison of the regional rural financial development is analyzed in terms of financial scale, financial structure and financial functions in rural China. Analysis shows obvious differences in regional rural financial scale, but the financing structure and market structure are both similar in the three areas, and also the dissimilation in the regional rural financial system functions is very severe.There exists remarkable regional unevenness in the developing level of rural economy and the economic structure in our country, the unevenness and multi-level character of rural economic development should be objectively adapted to the different level of financial institution. Current researches on rural finance are mainly focused on macro scope, discuss the rural area in our country as a whole, but seldom focused on rural region in a mesoscopic level.Based on this background, this paper aims to conquer the former researching weakness, applies factor analysis and cluster analysis as the main methods to evaluate the situation of regional rural economic development including bank, security and insurance market, extracting the public influential factor while classifying the rural finance development of every province and cities in China. Also it uses correlation analysis and regression analysis to testify the influence of regional rural finance to rural economic growth and the upgrading of the industrial structure. The research results demonstrate:the regional unevenness of the rural finance development has a long-term and balanced relationship with developing level of eastern and western rural economy, the scale and structure of rural finance has inhibitory effect on the growth of economy, furthermore, the efficiency of rural finance will boost the growth of rural economy especially in eastern part of China; the complex relationship betweens rural finance and rural industrial structure. In order to coordinate comprehensively the regional rural economic growth and the industrial structure development, it is very necessary to reform the current financial system which is unified nationally, and to implement the schedule of rural financial institution and the policy measures.