The Study On The Match Problem Of The Peasant Group Credit Supply And Demand Of Shangqiu City On The Group Split Perspective

In recent years, though the country has adopted a series of effective measures to improve financial service and the rural financial sector, that reduce the contradictions of the credit supply and demand between farmers in certain extent,generalthe the uneven problem of the rural credit supply and demand is still widespread, which become increasingly prominent with peasant group accelerate. Based on this, this paper chooses the Shangqiu City Henan Province as the sample to analysis the match problem of the peasant group credit supply of Shangqiu city.This paper is divided into seven sections. The first part introduces research backgroundmeaning,research on customary and research thought; The second part introduces the related theory; The third part introduces the status quo of the peasant group of the Shangqiu city with the standard of the professional and income; The fourth section analyzes the credit features of the different peasant group of Shangqiu city by the chart according to research data, and analysis the factors influencing on the credit requirements of the different peasant group of Shangqiu city by the panel empirical data analysis; The fifth section analyzes the credit supplies of the rural financial sector of the Shangqiu city, result shows that there is a problem of the support of credit; The sixth section analyzes the match situation of the credit supply and demand of the different peasant group of Shangqiu city, analysis revealed that there is a serious unbalanced phenomenon of the Match problem of the peasant group credit supply, such as in loan scale, loan period, loan rate and loan conditions and so on; The seventh section based on analytical results the related policy advices ware proposed,inculding five typical pattern of credit, that is patterns of consumption credit, the mode of packing group credit, flexibility small credit mode, farmer's large amount of credit mode, farmer's productionial link and so on. These credit patterns are effective, personally to solve Loan difficult problem for the peasant group.