Rural People Financial Needs Investigation Report For Baoding Mancheng County

As the Chinese "three rural" policy carries out, the rural area economy develops rapidly, and the rural people’s income increases steadily. The “three rural” policy has obtained great achievement. As the rural residents’ income level is higher and higher, the spare money also becomes more and more, so the needs of personal financial services appear and become more and more active. However it is because of the living marketing environment, infrastructure construction and the treasure owned by rural residents et al, that make their financial demands be paid little attention to. Nowadays, with the reform on financial system more and more deeply, the financial environment improves continuously in China, and the rural people’s financing concept also grows. Study the related questions during the rural financial market’s development process and give some suggestions make a big difference to expand the rural people’s financial needs,guide the rural residents’ manage money scientifically and perfect the financial markets.This thesis mainly surveys the financial demand conditions of Hebei Mancheng rural residents. The economic development level of Mancheng rural area closes to the medium, therefore the investigation of income and financial situation of Mancheng rural area is representative strongly, which can represent the average level of China’s rural area to a certain extent. The data show that since 2012 year Mancheng area’s GDP,fiscal revenue and the average per capita net income of farmers have a larger growth. The more people income increase, the more they have idle funds, and the demand for preserving or increasing the property’s value is more intense. However, the main force of the current rural financial market is almost only the rural credit cooperative,and the financial policies and strategies of the big four banks and the local banks are even less. Therefore the development of the current rural financial market faces with a lot of difficulties,and there are still a series of problems to solve.Aiming at the problems described above, this thesis firstly studies the pertinent research domestically and internationally, summarizes the present situation of rural residents’ personal finance in China and compares the differences between rural people’s money planning and urban residents’. Secondly collects data by the way of questionnaires to Mancheng county, according to the investigating data, this thesis analyzes the finance basic situation of Mancheng area rural people,influencing factors and prospects for development etc. Then, on the base of questionnaire the thesis summarizes the present situation and existing problems in detail. Finally, according to the present problems the rural market exists, correspondingly given reasonable suggestions for rural financial market’s further development and expanding the rural residents’ financial needs.