Research On The Development Of Rural Financial Services In Heilongjiang Province

Rural finance is the core of the rural economy, rural financial services is the core of the rural finance. The rural financial services through the banking, insurance, securities business raising, allocation and management of monetary funds, continue to promote the rapid development of the rural economy. At present, the rural financial development of Heilongjiang Province as a whole is good, the rural financial service system basically established. But from the point of view of the details, the development of rural financial services in Heilongjiang province are the outflow of funds, heavy burden, lending is not reasonable, many problems in the regulation is not in place, these problems seriously hindered the development of rural Finance in Heilongjiang Province, which hindered the sustained and rapid development of rural economy in Heilongjiang Province, have slowed the pace of the construction of new socialist countryside in Heilongjiang province. Therefore, in-depth study of the development of rural financial services in Heilongjiang Province, the nature of mining problems in the development of rural financial services. And the problem causes, so as to put forward the feasible countermeasures and suggestions have important practical significance.In this paper, a series of important research methods, the development of rural financial services in Heilongjiang conducted a careful study. This paper defines the concept of rural finance and rural financial service from the basic concept and basic theory of rural financial service development. With the support of agricultural credit subsidy, rural financial market and imperfect competitive market, this paper expounds the development of rural financial service in Heilongjiang. The paper analyzes the main problems such as the imperfect system of rural financial service development, the imbalance of funds, the lack of supervision and so on, and further analyzes the dual economic structure, backwardness of rural financial market, high risk of agricultural economy, rural finance The lack of credit awareness of demand and other causes based on the analysis of the successful experiences of the United States, Japan and India, this paper draws the relevant enlightenment of the rural financial development in Heilongjiang Province. Finally, according to the problems and causes, drawing lessons from foreign experience, put forward countermeasures and suggestions to improve the rural financial service system, balance the supply and demand of financial services in rural areas, strengthen the supervision of rural financial services and promote the development of rural financial services in Heilongjiang Province.