Research On Fiscal Support For The Development Of Rural Financial Institutions In Laiwu City

The issue of "agriculture,rural areas and farmers" has always been the core issue of China's rural development.Rural finance is an important part of China's financial system and an important pillar supporting China's new socialist countryside.In recent years,China's agricultural development has made remarkable achievements,but there are still certain problems,such as the imbalance of urban and rural economic development.To better solve the "three rural" problem,we need to make good use of rural finance as a tool to achieve rational allocation of resources between urban and rural areas,continuously narrow the gap between urban and rural areas,promote agricultural modernization reform,and thus ensure the steady increase of farmers' income,rural areas.The economy continues to flourish.As the main body of rural finance,rural financial institutions can effectively reflect the development of rural finance.High-quality rural financial institutions can provide more diversified financial services for rural areas,effectively alleviate the shortage of funds in rural areas,and promote the continuous development of the rural economy.However,at present,China has not yet formed a relatively complete system of rural financial institutions.The level of services provided by rural financial institutions is limited,and it cannot meet the requirements of financing in rural areas.At the same time,due to the inherent weakness of agriculture and the high risk,the financial development costs of rural financial institutions are generally high,and the income is relatively low.Rural financial institutions rely on themselves to obtain better development and need the government to guide them.stand by.Therefore,the government needs to increase support for rural financial institutions and help establish a more complete system of rural financial institutions in order to give full play to the role of rural finance in supporting agriculture,rural areas and farmers.Taking Laiwu City of Shandong Province as an example,this paper studies the related issues of Laiwu City's fiscal support for the development of rural financial institutions based on relevant literature and theoretical basis at home and abroad.Starting from the actual situation of Laiwu City,this paper analyzes the current status,effects,existing problems and causes of the current fiscal support for the development of rural financial institutions in Laiwu City.At the same time,using regression analysis method,it empirically analyzes the influencing factors of Laiwu City's fiscal support for the development of rural financial institutions,and proposes countermeasures to improve the fiscal support of Laiwu City to support the development of rural financial institutions.Through theoretical analysis and empirical research,the objective and in-depth analysis of Laiwu City's fiscal support for rural financial development has obtained the following research conclusions:(1)In recent years,Laiwu City has issued a series of policies to support the development of rural financial institutions,and has also invested a certain amount of financial funds to support it.It has achieved some results in promoting the development of rural financial institutions in Laiwu City,but it is inevitable.There are certain problems.The main performance is that Laiwu City's rural financial institutions have large operating pressures,small financial subsidies,lack of enthusiasm for rural financial institutions,lack of policy financial guarantee services,and lack of local characteristics in fiscal support for rural financial institutions.(2)Through the empirical analysis of the factors affecting the development of rural financial institutions in Laiwu City in recent years,it is considered that the development of rural financial institutions in Laiwu City is affected by the overall impact of various fiscal support policies,including the agricultural insurance premium subsidy policy.And the impact of tax incentives on rural financial institutions on the development of rural financial institutions is more significant.(3)According to the development status and empirical analysis results of the fiscal support of rural financial institutions in Laiwu City,the countermeasures and suggestions for improving the fiscal support of rural financial institutions in Laiwu City were put forward.It mainly includes: enhancing the endogenous motivation for the development of rural financial institutions;increasing financial fiscal support;improving credit guarantees and risk compensation mechanisms;innovating fiscal support methods;and increasing supervision.