Study On The Endogenous Development Model Of Rural Finance In The Western Regions

With the rapid development of economy and finance, banking has become the core of modern economy, and the financial sector overall economic growth has also become a vital part of the mechanism. Financial development leading role in economic development becomes increasingly obvious, and for economic development in rural areas is also true.For a long time, an important factor restricting China’s sustained and healthy development is lagging behind China’s development of agriculture and rural economy. Currently, from the reality of rural finance development of our country, the introduction and implementation of the country’s overall development strategy greater impact on the financial structure of rural areas. At this stage, rural finance has a strong exogenous, consider the structure of rural endowment and rural economic development is less, overall, construction and reform of the rural financial system mainly serves the country’s overall development strategy, in our country regard the practical needs of rural economic development and rural finance its own development law, etc. is still lacking.Since the eighth session of the Third Plenary Session, farmers on the land have a right to dispose of more legalization, especially mortgage terms of contracted land in the countryside. At present, China has been actively promoting the emergence of a number of property mortgage finance pilot areas, such as Ningxia Pingluo, Tongxin County, Shaanxi Gaoling, Yangling Demonstration Zone and the like. Health and mode of development finance in the rural It is understood that the pilot regions of the country are actively and orderly development of rural property mortgage financing model experiments, so as to "be copied, easy to promote, wide coverage" reference.The first part is the introduction. It describes the background and purpose of the present study has significance, and systematically summarizes the domestic and international research on endogenous financial dynamics, rural property mortgage financing. Finally, the research methods employed, the technical route and possible innovation It described.The second part is the theoretical basis of rural finance endogenous development model. This section describes the definition and connotation of rural finance endogenous development, analyzes the evolution of the currency endogenous financial, capital, credit and financial markets and other angles, finally clarified in the adaptive-type rural financial development, for the following The study laid a theoretical foundation.The third part is the status of the western region of rural financial endogenous development and problems. The section from the supply side of rural finance, rural finance and rural financial markets demand level three point of view, a comprehensive analysis of the current situation of the development of rural finance; the current status of rural finance endogenous development and analysis of problems, mainly from organizational structure, development patterns and the legal system of the three aspects of view, to promote the construction of rural finance endogenous development model provides improved direction.The fourth part is the health of rural finance in the western region of green development model. In this study, the Yangling, Shaanxi Gao Ling, and Ningxia Pingluo of Ningxia as a typical pilot areas, the basic situation of each region, property mortgage financing mode of operation set forth in detail, and the development of rural finance for such endogenous Mode dominant mode of each region, collateral type and other characteristics of the lessons learned.The fifth part is the effect of financial endogenous development model in Western Areas evaluated. In a typical four pilot areas of rural property mortgage financing on the basis of survey data from individual farmers and family characteristics, aspects of rural household assets, income and expenditure situation, in which the economic and financial environment, select the head of the household age, Indicators of years of education, the family labor force, business type, housing value, land value, productive fixed assets, annual household income, agricultural income, non-agricultural income, per capita household income, consumption expenditure, distance, social relations, regions, etc., bivariate Probit model using identifiable demand, farmers are involved in the supply of rural property mortgage financing equation, as well as farmers participation in traditional formal credit supply equation comparative analysis, studies show that: the value of land and other factors on the supply of equity mortgage financing equation It is positive, while per capita household income is significantly negative variable; and in respect to traditional formal credit supply equation, families with per capita income levels and a positive relationship between social relations. Traditional preference for rich people to formal credit, rural property mortgage financing of such raw mode of development finance in the rural area to some extent, to cover low-income people, farmers have improved formal credit rationing effect.Part VI is to promote rural finance Suggestions endogenous development model built. We made the following suggestions: strengthen legislation to clarify the legal status, promote normalization of development within rural livelihoods financial organizations; the establishment of coordination mechanisms to interact with endogenous financial formal finance, promote balanced supply and demand of rural finance; rural property is indeed the right entry point comprehensively promote equity mortgage financing in rural areas; local conditions, and actively build a diversified, adaptable raw mode of development finance in the rural area; strengthen the credit system, to build raw mode of development finance in the rural information transparency; unified assessment mechanism, Construction of rural finance endogenous development model standardization.