A Research Of The Reconfiguration Of Rural Cooperative Financial Organization System In The View Of Demand

Since the reform and open policy, China rural finance supplies question has been prominent. Especially after bank commercialization reform, the question of peasant household and the rural enterprise loans difficult n further intensifies. On the other hand, the countryside financial demand grows gradually, tending to multiplex. Therefore, through the real diagnosis investigation the Hubei countryside area's financing environment, the author analyzed the rural cooperatives finance supplies and the demand imbalance, based on this, attempts carries on the multiplication rural cooperatives finance organization system's construction. Draws the conclusion to be as follows initially:First, peasant household's financial demand。1. The peasant household call for fund is more common, and rises year by year.2. The financing object mainly lends money through friends and relatives' by no interest friendship primarily, the regular rural finance organization's function is limited in the Hubei countryside.3. The way of lends money is not to be standard.4. Peasant household's financing follows certain way:After first endogene financing, then extraneous source financing, the acquaintance lends money by chance in extraneous source financing.5. The different peasant household (different household, different income rank as well as different thought condition), and the different economic region in financing aspects on demand degree, demand scale, loan fund use, satisfied demand degree and so on have the difference.6. Regardless of being the deposit characteristic or loans the structure and the loan scale, differentiation between the different type peasant household's is obvious, indicated that the countryside fund market's structural feature will be even more from now on prominent.7. The main body of financial supplies flaw. The phenomenon of each kind of financial organ's function division of labor exist serious dislocation, causes the main body of present rural finance supplies to be few, lacks the appropriate effective financial organ providing the financial service for the countryside and farmer. This serious influence rural economy's healthy development, causing the main body of rural finance supplies to the partial fault or the blank, and the rural finance demand obtains with difficulty satisfies.Second, the rural cooperatives finance's supply and demand is unbalanced. The unbalanced of rural cooperatives finance's supply and demand is displayed not only in the supplies total quantity insufficiency, but in the supply and demand constitutive breaking. At the same time, the research thinks the reason of this unbalanced, on the one hand is because exogenous corporate finance disassimilation, on the other hand is because the endogenous corporate finance's hypoplasia and congenitally deficient. The coexisting of these two aspects, have caused the corporate finance function barrier and the unbalanced between supply and demand.Third, the restructuring of rural cooperatives finance organization system. Article constructed the reconstructed path of rural cooperative financial organization system: With the reform of rural credit cooperatives as led and the main body, with the endogenous co-finance, exogenous cooperative financial as wings, with farmers actual and potential demand as basic orientation and great foundation, with the national policy, the county payment and settlement systems, the dismantling industry market, credit, and the local culture as well as legal and social security system as an important support's a set of new pattern of rural cooperative finance which integrate the main micro-, Meso Services, macro-policies three-dimensional as a whole.