The Level And Economic Welfare Effects Of Rural Financial Services In Xinjiang

Rural f inance is the core content of modern rural economy, to do a high quality and high effic iency rural financial service, is a powerful guarantee for the work of "agriculture, rural areas and farmers". It is the own development particular ity and complexity of xinjiang such as differences in economic development, national and regional that cause difference in the development of rural finance. So, in recent years,does the xinjiang rural financial service level have improved with the rapid development and the rural financial reform? Does economic welfare level of Rural residents have improved ? Does The ascension of the financial services improve farmers’ welfare? How about Effect? Through pursuiting these questions, testing the effect of financial reform to some degree, finding out the focus and direction of the reform and development in the future.This first chapter is the introduction. First, mainly expound ing the research background and research signif icance of this article; Second, carding and summarizing the related research of domestic and foreign scholars on financial service level measures and its economic welfare effect, puting forward the research content, ideas and methods of this article.The second chapter mainly defines the related concepts and expounds the theoretical basis for related research. First, define the concept and connotation of the rural finance, the financial service level and economic benefits; Secondly, combing the theory of financial development theory, theory of financial repression and deepening, financial constraints, the rural financial developm ent theory and welfare economics, at the same time mechanis the rural financial service effect to resident income and consumption.The third chapter, constructing index to measure the xinjiang rural financial service level. First, briefly introducing the financial development in xinjiang; Second, selecting xinjiang rural financial service level to establish evaluat ion index, introduc ing the analytic hierarchy process(ahp) and measuring weights of the indexes in evaluat ion index; Finally, calculat ing the actual xinjiang rural financial service level and analysizing and evaluating the results.The fourth chapter, empirically analysizing the economic welfare effectsof xinjiang rural f inancial service level on rural residents. First, the level of rural residents’ economic welfare evaluat ion dimensions, from rural residents income level, consumption level and quality of life level to measure economic welfare level; Secondly, according to the human development index calculat ion method to determine the level of economic welfare; third, measuring economic welfare level of rural residents in xinjiang, doing comparative analysis of evaluation; F inally, build ing panel data model test the effect of rural financial services on residents’ economic welfare in xinjiang, it is concluded: xinjiang rural financial services increase the economic benefits for rural residents, but the effect exists significant difference among regions. In the base effect is better than that of southern xinjiang area, it is more obvious to improve economic welfare if promote rural financial service level of southern xinjian.The fifth chapter is conclusion and Suggestions. Based on the above analysis and conclusion,putting forward feasible and corresponding Suggestions and countermeasures.The sixth chapter,summary and prospect. First, summarizing the research; Secondly, puting forward the possible innovation points; Finally, pointing out the insufficiencies of this article and prospect the further research.