A Research In The Impact Of Urban-Rural Financial Disparity On The Dual Economic Structure In Heilongjiang Province

Dual economic structure is the basic feature of Heilongjiang province’s economy, this structure will lead to long-term capital from rural to urban areas, resulting in agriculture shrink, leading to a lack of material basis for the development of the city. The finance is a key area for economic development, has played a significant role in promoting modern economic society, then the financial differences between urban and rural areas will lead to the deterioration of the dual economic structure is a question worth considering. Rationalize the relationship between the two, is to achieve healthy economic development of Heilongjiang province prerequisite.Financial development disparity is an important component of dual economic structure between rural and urban areas, it is an importance issue for developing countries to deal with industrialization and urbanization. This article taking Heilongjiang province as an example, and using TOPSIS method to deal with the macroeconomic data. First, the article defines the concept which are related, and sorts the related theories. On this basis, this article describe the current situation in Heilongjiang province about dual economy from four aspects, namely, "the overall efficiency gap", "income gap" "consumption gap resident" and "financial development gap." Subsequently, the paper analyzes the impact of financial development mechanism in dual economic structure, this sector paving the way for empirical analysis. In the empirical analysis part, this article use entropy and TOPSIS methods to empirical study of its macro-economic data, the correlation coefficient and the financial contribution of the urban-rural differences between urban and rural dual economic structure by calculating the relative closeness degree, and also explore differences in the degree of impact on financial development and rural dual economic structure.The results show that a high degree of coordination is found to show that the differences in urban and rural financial development disparity and economic structure is large, and financial development disparity is an important factor in determine the impact of urban and rural economic structure. In order to reduce disparity in urban and rural financial development, we need to focus on the most urgent task, that is to expand the scale of rural finance, and also encourage the institutional innovation of farmers’ land management rights, transfer rights, mortgage rights.In addition, the ability that crop insurance and agriculture mutual insurance have, as a means of stabilizing the income of farmers, should be taking seriously.