Study On Rural Financial Development In Mudanjiang City

Finance is the core of modern economy, is the powerful support of new ruralconstruction and agricultural development. With the development of agriculture andthe rational use of the financial system, will be an important research direction ofmutual benefit.This paper analyzes the relevant data at different stages of reform and opening inMudanjiang region, to investigate the development of the rural finance situation in thenation and the world at this stage, and then have a comparative analysis and summaryof the actual situation in Mudanjiang City. Reference the regional economicdevelopment experience close to Mudanjiang, and put the rural financial practices asthe research key. Finally, according to the research conclusion, plan the strategy forthe Mudanjiang financial which can support agriculture development.By studying, this paper is divided into six parts. The first part is the systemexpressions of the background and the practical significance of rural financialdevelopment theory; The second part mainly expounds the basic concepts and theoriesof rural finance; The third part depth analyzes the current status of rural financedevelopment and the relationship between supply and demand in Mudanjiang;According to the abroad summary and on the basis of successful experience fromforeign, the author points out some problems and causes in the fourth part; In the lastpart, the author proposes some measures on how to improve Mudanjiang ruralfinancial developmentThe author believes that the Mudanjiang rural financial service system in a single,over-reliance on Rural Commercial Bank and Agricultural Bank of China; the ruralfinancial institutions, capital outflows seriously, insufficient supply of financialamount; and the new type of rural financial institutions are still not perfect. At thesame time, Mudanjiang’s gross agricultural production presents positive correlationwith agricultural loans. In this paper, through econometric analysis, demonstrates theinfluence of agricultural loans to gross agricultural production. Agricultural loanshave obvious effect on promoting the agricultural GDP, but in different stages of development to support the efficiency difference.Finally, on the basis of the analysis to the Mudanjiang financial support thedevelopment of modern agriculture, and put forward some policy suggestions: one isto improve the function of supporting agriculture rural financial institutions; thesecond is to increase support for the development of the rural financial system; thethird is to establish and perfect the laws and regulations, and perfect the supervisionsystem; the forth is to actively expand fund-raising channels.