A Study Of Rural Financial External Environment Supporting For Rural Financial Development In Harbin

Whether in the developed or developing countries, rural finance research are the focus of national attention for a long time. Through the relevant literature review and analysis of the rural financial development status has been, to the context and development of more in-depth understanding of all aspects of the study of rural financial system, comprehensive outline related theoretical system framework,and stimulate the rural finance related theory in the future further research.Analysis briefly of Harbin industrial structure foundation and agricultural development advantage of regional financial institution present living environment.Innovation from the Angle of financial geography and financial agglomeration and radiation effect analysis found that the Harbin city financial agglomeration effect is obvious, for remote regions in the development of Harbin city financial resources of the absorption loss, but failed to appear financial radiation effect yet.According to the theory of financial agglomeration and financial ecological environment theory, to do a theoretical study on how the external environment influence the rural financial development. Research mainly aimed at the support-ship from the rural financial external environment for the development of the rural financial of counties (city) which under various of Harbin.Based on county panel data of Harbin from 1998 to 2012, using a fixed effect model to empirical investigate the relationship between rural financial external environment factors and rural financial development.From the point of panel data regression results, a number of financial external environment indicators for county overall financial development level are effect in a nagetive way, against to common sense. The development level of rural credit cooperatives variable data regression results shows that fot the counties (city) under various of Harbin,the financial effect of the external environment for the development level of rural credit cooperatives mainly positive, without ruleing out the role of government support, but there is no denying that more suitable for rooted in rural areas, rural credit cooperatives to drive the local financialdevelopment.From the point of regional fixed effects, Yanshou is suitable for all financial institutions in the development of regional characteristic, Yilan, Tong river area of financial development the effect relative to other areas of the county is more suitable for in addition to the rural credit cooperatives of rural financial institutions in the development of regional advantages, Fangzheng compared with other county has better natural affinity for rural credit cooperatives, Shangzhi area is obvious with other financial institutions have to fit the development of rural credit cooperatives repulsion.By using the entropy weight method for various counties (city) the rural financial external environment factors were analyzed, and further point out the weak links in local financial external environment.Targeted put forward methods to improve the external environment of every single county, which plays a role of a positive impact on the development of the rural financial of Harbin.On one hand, should according to the characteristics of regional characteristics and different types of financial institutions, consciously promote rural financial institutions environment adaptability. On the other hand, should from the economic industry and credit system construction, land circulation system reform, targeted to improve the rural financial external environment of the counties (city) under various of Harbin.