The Study On Unbalanced Supply And Demand Of Credit Market Of The Peasant Household

in our country rural economy activity groud cell is the peasant household,its particularity lies in the peasant household is not only the consumer but also the producer,since as a main active body of social economy,family joint production contract management system has practiced,the peasant household steped into the rural economy activity great stage.The peasant household behavior has important status and function in our country countryside and even in the entire national economy development.Since reform and open policy,although China rural finance market supply-demand relation has had the huge change,but the existing rural finance institutional arrangements still could not satisfy the rural economic development the financial demand.there were many scholars scholar are conducts the research from the rural finance organization credit fund supplies aspect before,but this article is from the peasant household credit demand,the new angle of view research on credit fund supply and demand.Jilin Province is full of the agricultural resources and a huge population province.And the total demand of fund is huge.Takes peasant household credit as one kind of essential factor and integrate it to the analysis frame of countryside credit market supply and demand,Take the supply and demand isostatic theory as the rationale,through carries on the typical survey to the peasant household to obtain the correlation data,and carries on the analysis using the statistical analysis method to the Jilin Province grain main production area peasant household credit market supply and demand condition.In the statistical analysis,separately from peasant household credit fund's aspects and so on the situation of demand and supply of present and influencing factor has conducted the research. The deep research on peasant household credit demand and the question between the rural finance organization credit supplies existed.And analyses the reason which produced to it,it is proposed some policy suggestion.That realized the balance of peasant household credit market supply and demand.This article obtains the conclusion is:The rural finance system is being at the reform stage; consequently it is also very imperfect and cannot satisfy the peasant household credit fund the demand.As the credit demand's main body,the management scale,the financial condition,the years of schooling,the age and so on factors of the peasant household,are all the primary factors which affect the peasant household credit fund obtains.The agricultural comparison benefit is low,the information symmetry,the high transaction cost,the collateral fluidity are not bad and the agricultural risk is high,the compensation for risk machine-made flaw and so on causes the rural finance supplies insufficient important attribute; Increases to the peasant household credit fund's investment,will enhance peasant household's productiveness and the life demand level,And then enhance the agriculture to deliver,will increases peasant household's income.Therefore,it is must carry on the reform positively to the rural finance organization,to improve the peasant household credit fund supply and demand unbalanced situation,enhances the peasant household and delivers the achievements to the agriculture and the non-agricultural production investment,And must enhance the comparison benefit of agricultural establishes the peasant household credit information system, reduces the transaction cost and the risk:1,enhances agricultural the comparison benefit of agricultural.Since the establishment of our country,the agriculture is the feeble constitution industry;our country implements the policy which partials to the industry,the agriculture has made tremendous contribution for the development of industry.Along with the enhancement of national comprehensive strength of our country,it implements the policy of nurturing the agriculture by the industry.From the agriculture,enhances the comparison benefit of the agricultural production is more important,besides implements the exemption agricultural tax policy.2,carries on the education and the technical training to the peasant household the minority groups, improving the quality of peasant household own,enhancing the competitive power of the agricultural product.Because the agriculture is the weak trend industry,and it is facing the natural hazard which is unable to resist,should develop the agricultural insurance project,guarantees the farmers' income.Market risk which faces in view of the agriculture,should establish the agricultural product futures market,achieves the circumvention risk and the discovery price goal,guaranteed that the farmers' income is stable.3,the expansion of the agricultural development bank and Agricultural bank's business' scope. Causes the postal savings to attract rural fund backflow to the countryside and supports the rural reconstruction.The defined Rural credit cooperative's property right,causes its healthy development, undertakes the supporting agriculture main army's duty.In the peasant household lacks in the collateral situation which the financial organ requests,may practice the farmland financial system,the permission farmland right of use takes the mortgage;Or lets the goods which the farm tool and the domestic animal become mortgage.The relaxation(folk lends money) to the non-regular finance controls,gives its loose development opportunities,enables peasant household's call for fund to satisfy.4,in the situation of our country's financial organ cannot satisfy the peasant household's need of found,encourages and guides the foreign capital financial organ to enter the rural finance market,so it can be satisfies the peasant household's need of fund,and achieves the goal of increasing income of the peasant household.5,the government should support the peasant household which vigorously takes the minority groups, provides the supports of the countryside public product which the peasant household produces,carries on the policy and the information instruction to peasant household's production,provides a mature agricultural product market system,those will be causes the agricultural product to have the competitive power.6,the communication of informations between the rural finance organization and peasant household should be strengthening.The information asymmetrical between the countryside financial organ and the loan peasant household is the primary factor which is affects rural finance organization provides and the reclamation credit fund and is also the important attribute which is forms the credit risk.Therefore,it is should be the communication of information strengthen between the rural finance organization and peasant household.Enlarges the dynamics of jot credit providing,it may develop the main function of the rural credit cooperative actually.