The construction
of people’s livelihood in rural areas not only needs to meet their basic
requirements such as elders’ care, medical care, and insurance and so on, but
also needs to encourage people living in rural areas and make them have
confidence to earn a better live through the improvement of self-development
ability. “Insufficiency of self-development ability” and “the lack of
opportunity of development” are two of the most important barricades, which
interact rural “finance exclusion” as both cause and effect and exert
reciprocal intensification as well. The interviewing result from the 1938
random samples of local citizens living in villages and towns, which belong to
5 provinces and 26 counties and cities, shows that “lack of funds” is the
hugest barricade that prevents peasants improving their self-development
ability. The situation is mostly caused by “non-physical finance exclusion”. To
govern this situation, the diversity of rural finance requirements and
financial ecology cannot be separated and combination usage of different kinds
of governance tools is needed.
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