A Study On Rural Financial Exclusion In Shaanxi Province And Related Strategies

Shaanxi is located in the hinterland of China, which is an important province connecting the north and south and running through the region of east and west. Shaanxi spans two drainage areas of Yellow River and the Yangtze River from south to north. It is an important fulcrum and core area of The Belt and Road. In recent years, Shaanxi implemented the policy of benefiting the agriculture as the starting point and promoted the sustainable growth of farmers’income as the core. So the development of agriculture and rural areas has made remarkable achievements. But the rural financial problem is still the key factor restricting rural development in Shaanxi. There are no varied financial organizations, diversified financial tool and enough financial services. And even the blank situation of financial service has not been completely broken. So the rural financial exclusion problem is still more serious, leading to a serious shortage of rural credit funds which can’t meet the needs of rural economic and social development in Shaanxi. Thus restricts the growth of economy and increase of farmers’welfare in rural areas in Shaanxi.Rural finance plays a key role in the development of rural economy and society. Therefore, in-depth study of Shaanxi financial exclusion problem has an important practical significance in Shaanxi, to solve the rural financial exclusion problem, improve the rural financial system, deepen the reform of rural economic system, promote rural development and economic prosperity.At first, this paper studied and analyzed the rural financial system of the related theory, hired from the perspective of rural financial supply and demand, analyzes the influence factors and formation mechanism, and constructs a model of supply and demand for rural financial exclusion, on the rural financial exclusion equilibrium analysis. Secondly, analyses the rural financial development status of shaanxi province, studies the quantitative assessment of the degree of financial exclusion in shaanxi province, at the same time all kinds of management main body as the breakthrough point, in the rural areas from the perspective of demand, in the form of survey questionnaire and interview, the degree of agricultural enterprises and farmers to reject for analysis. Again, the rural financial exclusion in shaanxi are analyzed in detail to the countryside, agriculture, farmers and the effect of rural financial system, etc. Last crack at home and abroad in the absorption of financial exclusion experience and on the basis of above analysis, from the perspective of the demand and supply side, from in shaanxi province to speed up building new rural agricultural management system, further improve the rural financial system and innovation of rural financial service operable countermeasures and Suggestions are presented, which provides new thinking for rural social and economic development in shaanxi province.