Research Of The Demand-oriented Contradiction Between Supply And Demand Of Rural Finance

This paper studies the demand-oriented contradiction between supply and demand of rural finance. Rural finance is an important backbone of rural economic and social development, and improving rural financial system and giving full play to financial functions are directly related to the final solution to the"three rural"issues (issues concerning agriculture, countryside and farmers), which is also related to the overall situation of building a new socialist countryside and also to the all-round construction of a well-off society. Therefore, accelerating the study of demand-oriented contradiction between supply and demand in rural finance is of great theoretical value and practical significance. This paper mainly consists of the following seven parts:Part I Introduction. It mainly sets forth the background and significance of the topic. Besides, it defines the scope of this study, and points out the research approach this paper adopted as well as the innovation and shortcomings of the paper.Part II Current research situation of domestic and foreign supply and demand of rural finance. This part introduces the situation and experience of supply and demand of China's rural finance, and summarizes the situation of supply and demand of a few representative western countries'rural finance, from which we can draw some lessons for the construction of China's rural financial market: taking a variety of channels to expand rural financial sources of funds; expanding the participation main body of the supply of rural finance to promote the balanced development of rural financial supply and demand; speeding up the related construction of rural financial systems and establishing relevant laws and regulations as quickly as possible; emphasizing the role of governmental agencies in the supply of rural finance and speeding up the standardized construction of rural finance, etc.Part III Reform process of China's rural financial system. It briefly describes the reform process of China's rural financial system, including the history and composition of China's rural financial system reform, and the present situation of the supply and demand of China's rural financial market. And it analyzes the basic characteristics of China's rural financial demand and supply from the aspects of regional differences, multi-level, small scale, high cost , high risk, and being seasonal and complex of China's rural financial demand and supply.Part IV Analysis of the contradiction between supply and demand of China's rural finance. It mainly analyzes the principal contradictions between supply and demand existing in China's rural finance from the aspects of the contradiction of the total quantity of supply and demand in rural finance, the contradiction of application structure of the use of rural credit funds and the contradictions between the credit limit structure and term structure of China's rural credit.Part V Practical analysis. Taking Liangzhuang Town, Daiyue District, Tai'an City, Shandong Province as an example it makes a practical analysis of the contradiction between supply and demand of China's rural finance and of its reasons. It mainly analyzes the situation of the demand for and the supply of rural financial funds, and the existing contradictions between supply and demand of funds in rural finance in Liangzhuang Town.Part VI Countermeasures and suggestions as to solve the contradiction between supply and demand in China's rural finance. It mainly puts forward the measures and suggestions to solve the contradiction between supply and demand of China's rural finance from both the macro and micro aspects of China's rural finance, such as: establishing a sound legal system to promote sustained and healthy development of rural finance, and governments at all levels should establish a variety of agriculture-supporting preferential financial policies and improve the self-development level of the rural economy, taking competition as an opportunity to build the rural financial market system and increase the intensity of transfer payments to rural financial funds. Part VII Supporting measures as to solve the contradiction between supply and demand of rural finance. It mainly discusses related supporting measures to solve the contradiction between supply and demand of rural finance by encouraging people to develop various forms of security agencies, speeding up the establishment of agricultural insurance system and the development and implementation of"Community Investment Act", and guiding the flow of capital in rural areas, etc.