Regional Differences Of The Rural Financial Industrial Organization’s Growing In Chian And The Reasons Explanation

As a big agricultural country, the situation of rural economy development has great impact on the stability and development of the whole national economy. While rural finance market serves as a critical driving force for rural economy development. Since China’s reform and opening up, rural economy and rural finance market has made great progress, but the current rural finance system is still difficult to meet demands of rural economic development. The unified system of rural financial reform is also failed to measure up to financial demand from the eastern, central and western rural areas in different economic development and market structures. And these problems are the direct reflection or direct result of the problem of industrial organization. In this context, meeting the realities require of diversified rural economical system and in the critical stage of transformation and upgrading of urbanization and industrialization, it has certainly theoretical and realistic meaning to analyze regional differences of the rural financial industrial organization’s growing and the reasons explanation based on evolution thought.This thesis, based on deep study in the objective reality and relevant researches of rural financial industrial organization’s growing in the eastern, central and western areas, systematically reviews and absorbs the industrial organization theory and evolutionary economics theory, precisely defines related concepts, then set up a theoretical framework of rural financial industrial organization’s growing; On that basis, the thesis also analyzes regional differences of the rural financial industrial organization’s growing by selecting relevant economic indexes. In addition, it explain the reasons based on analytical framework of evolutionary economics; Finally, the thesis gives some countermeasures。The main results of this thesis are as follows:Firstly, the thesis study rural financial industrial organization’s growing based on the perspective of history and the idea of dynamic to find that rural financial industrial organization within external or internal factors effecting will evolve, from simple to complex, from low to high. Therefore, rural financial industrial organization’s growing is a slow process of evolution.Secondly, the thesis analyzes regional differences of the rural financial industrial organization’s growing by selecting relevant economic indexes and find: compared with central and western rural regions,in rural regions of eastern China,there are more rural financial institutions,rural financial market is more diversification,both rural fund allocation efficiency and the efficiency of transformation is higher; while the policy of loan pricing gains a bigger discount in undeveloped and remote area of central and western rural region; in addition, loans to invest are different in rural regions of eastern, central and western China, loans mainly invest in non-agriculture in east, but central and western rural regions, loans mostly invest in agricultural production.Thirdly, evolutions of rural financial industrial organization are a complex system. It is the interactional process through various factors in the environment of institutional change, technological progress, information factors, financial demands and function of government. While genetic mechanism, mutation mechanism, selection mechanism are the important drivers of evolutions. Evolutions of rural financial industrial organization are different in eastern, central and western rural regions which three mechanisms acts on.