Research on Optimization of Rural Financial Policies Based on Econometrics

Abstract

Rural finance is vital for rural economic development. This study uses extensive empirical data and econometric models to analyze factors influencing rural finance development in China. It employs multiple linear regression, panel data, and time series models, optimizing them through feature selection, non-linear processing, and cross-validation. Scenarios such as baseline, fiscal support, interest rate preferences, and inclusive finance are simulated to assess impacts on rural loan balances and resident income levels. The findings highlight that comprehensive measures yield better policy synergies, offering policy optimization suggestions for decision-makers.