| The Chinese government is very pay attention to the development of the "three rural issues", since 2003, 12 years in a row will be the focus of the "number one" file locking in the field of "agriculture, rural areas and farmers".In 2010 the central file no. 1 in China the government should support the development of various types of rural microfinance organizations, guide the social capital investment, so as to support the development of the "three agriculture" the work needs.2012 "number one" file is put forward to further encourage rural science and technology innovation, increase the output of agricultural products, so as to improve the supply capacity of agricultural products.2013 "central first document" put forward to develop modern agriculture, to promote reforms of rural comprehensive facilities.At the same time, the two great plains modern agriculture in heilongjiang province comprehensive reform test overall scheme, suggests that the government reform of the rural determination.In 2014, the party central committee and the state council issued "about comprehensively deepen rural reform to accelerate agricultural modernization of several opinions, the file once again stressed the intensify efforts to reform the system of rural to promote the healthy development of modern agriculture.Central file no. 1 in 2015 put forward the rural reform in focus so the CPC central committee attaches great importance to "three agriculture" problem.Is conditioned by historical factors and constraints, and the related system, our country rural economic development speed is relatively slow, agriculture as the foundation is weak, the overall level of farmers’ income is low, capital of the sharp contradiction between supply and demand in rural area, rural economic outlook affect the overall development of the national economy. "SAN nong" questions about the whole situation of the development of national economy, is healthy and rapid development of the socialist modernization drive.The fundamental to solve the problem of "agriculture, rural areas and farmers" comes down to whether there is enough money, access to financial institutions to support.In the 1970 s, for the purpose of poverty alleviation, the emergence of microfinance to help poor farmers solve the problem of money demand in rural area, provide farmers out of poverty to get rich.It not only effectively relieve the contradictions of supply and demand of money market, also makes the rural financial system structure is optimized, is an innovative attempt in the field of finance in China, its significant effect in the poverty alleviation are leading the world the new wave of poverty alleviation, has received the various countries in the world of learning.In this paper, starting from the facts of the bin county of heilongjiang province rural economic development, access to a large number of literature in the process of writing, integrated the relevant theories of economics, using the field survey method, comparative analytic method, read the literature method, quantitative analysis and qualitative analysis method of combining the status quo of bin county farmer microfinance demand analysis, model, finally it is concluded that the bin county farmers microfinance demand influence factors, and put forward the perfect advice. "Two great plains" pilot comprehensive agricultural development requires not only financial institutions strong financial support, also need to improve financial services.In today’s free market economy background, regardless of the development of modern agriculture, increasing food production, and improve the livelihood of the people, perfect the rural infrastructure construction, all need to have enough money to support in the countryside.Based on modern agriculture in heilongjiang province comprehensive reform as the background, bin county of heilongjiang province to the influence factors of the rural microfinance demand analysis, puts forward the measures, the hope can lead to more and more people are concerned about microfinance. |
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