A Study Of The Financial Support For The Improvement Of Farmers' Happiness And Benefit

In recent years,the focus of our work has focused on poverty alleviation for many times,and the main targets of poverty have been concentrated in rural areas.According to a report released by the Institute of Rural Development of the Chinese Academy of Social Sciences,at the end of 2012,the urbanization rate in China reached 51.27%.The urban population exceeded the rural areas for the first time.In 2017,the urbanization rate in China reached 58.52%.However,the level of economic development in rural areas of China lags far behind that of urban areas.The contradictions between the dual economic structure of urban and rural areas are still outstanding,and the corresponding income gap between urban and rural areas is increasing.Therefore,how to improve the income and living standards of farmers,thereby improving the welfare of farmners and achieving the strategic goal of building a well-to-do society in China has become a very worthwhile research issue.This paper,through an empirical study on the impact of rural finance and farmers'welfare,hopes to draw a conclusion on how rural finance can improve the welfare of farmers.Firstly,sorted out a large number of domestic and foreign literatures.Based on the theory of rural finance and farmers' welfare,this paper analyzes the present situation of rural finance and farmer's welfare in China.Based on the relevant theories,a comprehensive evaluation index system for farmers' well-being was constructed,and the entropy method was used to calculate the relative index variables of farmers' welfare level in the past three decades.Then,the regression model of farmer welfare and rural financial scale,rural financial efficiency and agricultural financial input was established.Through the unit root test,co-integration test and vector error correction,the influence mechanism of rural finance on the improvement of farmers' welfare was further analyzed.The research in this paper shows that the scale of rural finance and the level of rural economic development will have a positive effect on the welfare of peasants,and that the expansion of rural financial scale and the improvement of efficiency compared with the level of rural economic development can improve the welfare of peasants.Better effect.The main reason is that finance can play a role in redeploying existing resources and play an endogenous role in promoting rural economy and social security;rural financial efficiency has a negative impact on farmers' well-being,which is inconsistent with expectations.This is due in part to the fact that the effect of increasing rural loans on Farmers' welfare is higher than that of rural loan to deposit ratio.Therefore,this article believes that the promotion of improving the welfare of peasants is inseparable from the financial support.The key lies in,first,establishing a good rural financial credit environment and ensuring a sound rural financial market environment to enhance the efficiency of rural finance;Second,speeding up rural finance The incremental reforms will standardize private financial lending and expand the scale of rural finance.Third,it will ensure a good market environment and promote the coordinated development of rural economy and rural finance.