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Rural Financial Services Supply and Demand Equilibrium Analysis in China |
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Building a new socialist countryside is the fundamental problems of China\
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Submitted On: 04-01-2010 | Views:
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Building a new socialist countryside is the fundamental problems of China's economic and social development and is also the focus of the community. The core of "Three rural issues" is increase the income of peasants and increasing farmers' incomes in the rural areas must rely on the development and financial support of rural financial. At present, China's vast rural areas still exist the phenomenon of financial restraint, the financial services based on rural areas can hardly meet the "three rural" development needs. Therefore, a nuanced analysis of China's rural financial supply and demand, as well as make policy recommendations to China's rural reformation of the financial system shares a strong theoretical and practical significance.This paper is based on the visit and research of the peasant households in 13 counties, cities, and 49 administrative villages of Shandong Province, through questionnaire survey, directly access the data of the financial needs of farmers and rural financial supply, establish the corresponding measurement model, use empirical analysis, normative analysis, statistical analysis, comparative analysis and other research methods, comprehensive public economics, econometrics and other modern economics perspective, draw a conclusion that the financial needs of farmers demonstrated universality, level, small, dispersive, not fixed and several other features, and the financial needs of farmers depend on their income level, number of years of education, loans and other factors. Through further analysis of the supply of basic rural financial situation, we believe that the supply of rural finance in China reflect the following characteristics: the formal financial and civil financial coexist, civil financial rampant; rural credit cooperatives monopoly the operation, inadequate services; losing policy-oriented financial. Based on the analysis of China's rural financial status of the supply and demand, we found that there are imbalance between supply and demand of rural financial, mainly reflected in the scale imbalances, structural imbalances, as well as the quality and efficiency imbalance and make reasonable explanation from various angles of this phenomenon.Based on the analysis of the rural financial imbalance in supply and demand, this paper address the policy recommendations to the problems of rural financial sector: to establish a policy-oriented financial institutions and commercial financial institutions as the main supply of multi-level rural financial system; relax rural financial controls, strengthen the rural financial monitoring and prosper rural financial markets; give full play to the role of supporting agriculture, provide three categories policy support; fully take into account financial needs of the rural status quo, improve the rural financial environment.
Article Source:
http://latest-finance-articles.com/Finance/Rural-Financial-Services-Supply-and-Demand-Equilibrium-Analysis-in-Chi-1087.html
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