Research On The Development Of The Rural Folk Finance In Jilin Province

In recent years, China attaches great importance to the "three rural" development and rural financial problems. However, China's current financial system is difficult to meet the needs of the development of rural economy. The four big state-owned banks to scale from the merge branches in rural areas since the rural formal financial supply shortage, farmers and small and medium-sized enterprise loan difficult problem is very serious. Private finance is an endogenous financial system arrangement, is the inevitable outcome of the economic development, it can reflect the needs of the rural economy and farmers and rural enterprises preference, meet the needs of different levels of rural finance, the development of the local economy to promote. The hinterland of Jilin province is located in the northeast region, is an underdeveloped province, but also a major agricultural province. In recent years, with the constant adjustment and change of Jilin province rural economic structure and industrial structure, make the rural economy has become increasingly active, the peasants' demand for loans is on the increase. However, due to the current scope of loans of rural credit cooperatives in Jilin province and limitation, make a lot of farmers' demand for capital can not be fully satisfied. In this case, the rural folk debit and credit as a supplementary form, for the financial needs of farmers to provide convenient conditions of rural folk finance in Jilin province in the number and size have been great growth, the momentum of rapid development in rural areas.Rural informal finance is an important part of rural financial system, as the folk financial development, rural SMEs as endogenous financial institution arrangement in the aspect of promoting the development of rural economy in Jilin province has play a positive role, but the development has also brought some negative effects. Therefore, it is urgent to strengthen the legal norms of the rural folk finance, guiding and accelerate the development of the rural folk finance, which not only play a positive role in promoting the improvement of rural financial market, further promote the healthy development of economy.This paper is divided into the seven parts:The first chapter is an introduction. Firstly, expounds the significance of the topic, secondly, the research literature on the rural folk finance at home and abroad were summarized; finally, points out the research methods and thesis this thesis adopted the innovation point.The second chapter is the basic theory of the rural folk finance. This chapter introduces the related theory of rural private finance, including the financial repression and deepening the theory, information economics theory, the theory of institutional change theory main content three.The third chapter is the background and the status quo of the development of rural folk finance produces in Jilin province. This chapter first explains the background, then carries on the analysis to the content of the rural folk finance in Jilin province loan size, funding sources, organization form and mode of operation, in order to clearly understand the development status of rural folk finance in Jilin province. The fourth chapter is the role of the rural folk finance in rural economic development in Jilin province. This chapter from the five aspects of the income level of farmers, the repayment channels respectively, it discusses the importance of informal finance in the rural economy in Jilin province.The fifth chapter is the folk financial development of countryside of Jilin Province, the existing problems in the. This chapter focuses on the main problems of rural folk finance in Jilin province were described.The sixth chapter is the development of domestic and foreign private financial experience. This chapter first folk finance development condition respectively to the developed country and the local folk financial development situation and developing analysis, finally draws on the folk financial development in rural areas of Jilin province experience.The seventh chapter is the way of the folk financial development in rural areas of Jilin province. This chapter from the optimization of the development of the rural folk finance institutional environment, improve the development of the rural folk finance market positioning, strengthen the rural folk financial risk control perspective on the folk financial development of countryside of Jilin Province, and puts forward some rational suggestions.The main research of this thesis based on real field survey data as the basis, aims investigated based on financial status of rural folk in Jilin Province, in-depth analysis of the background, existing problems and development trend of the rural folk finance, and the effect of rural folk finance on rural economic development analysis. Finally, combining the domestic and foreign experience, for the development of the rural folk finance in Jilin province problems related suggestions. With a view to the rural financial reform, improve the rural financial system, guarantee the "three rural" money supply practice and related studies have been helpful.