Research Of The Present Situation And Development On Rural Financial Services Of Laiwu City In Shandong Province

Rural financial services refer to activities and services related to monetary financing in rural areas in general. There is a close relationship between the rural financial service and rural economic development, so to build a good rural financial service system adapting to the need of rural economic development plays an important guiding role in the development of rural economy. The current financial services in rural areas are less and weak and the rural financial market is not perfect. What’s more, the rural financial reform is not thorough, which can not satisfy the demand for financial services to rural enterprise and individuals. This problem has become an important bottleneck which restricts the development of rural economy. How to give full play to the effective role of rural finance in rural economic development services, how to solve the existing problems in the rural financial services, and how to realize the positive interaction between the rural financial service and rural economy, are important issues to be settled urgently.Standing in the perspective of rural financial services, taking Laiwu city in Shandong Province for example, the author made a survey about the present situation of rural financial services. And meanwhile the author carried out an active exploration into the developing trend of rural financial services and the way of playing the role of rural financial services to support rural economic development better.First of all, the author elaborated the background, purpose, significance of the paper research and made clear the thoughts, the research methods and framework of the paper research. Besides, the basic situation of the development of Laiwu rural economy and rural financial institutions were summarized. The author also analyzed the difficulties encountered in development of rural financial institutions and the main characteristics and challenges of demand for rural financial services. At last, the author put forward countermeasures and suggestions to improve financial services in rural areas.