An Analysis Of The Causes Of Imbalance Between Supply And Demand Of Agricultural Credit Market In The Perspective Of Behavioral Economics

China is a typical agricultural country, Agriculture has been the primary factor in national development concerns, it is not only Chinese agricultural area accounted for 7% of the world, it is an urgent need for Chinese national conditions and the requirements of national development. These years, China for rural economic reform made a lot of initiative, because of farmers do not own credit standing of stability and ease of mutations, as well as agro-economic structure is relatively loose internal organizational characteristics of agriculture-related credit market imbalance between demand and supply of credit has been restricting the development of rural economy in a decisive one of the issues. Through analysis of the agriculture credit in the credit market surge in demand, the supply of credit and the lack of agricultural credit market supply and demand imbalance in performance to the theoretical basis of behavioral economics, from agro-credit market credit demand and credit supply side two angles to explain the analysis of the agricultural credit market supply and demand imbalance causes.The use of behavioral economics in many theories, such as prospect theory of cognitive bias, loss aversion, anchoring effect, herd behavior and psychological accounts and so on, combined with agro-credit-related theories, to conduct behavioral economics and agro-credit combination of theory as a cornerstone of the full text. Then follow the "agricultural credit market imbalance manifests Behavior Analysis of the demand for credit-credit providers Behavior-drawn agricultural credit market imbalance causes-propose appropriate solutions," the idea to expand.First, data, surveys and case studies on the development of agro-credit market in credit demand, indicating that there is a serious demand for agriculture-related inhibition of the credit markets; Analysis of the supply of credit in the agricultural credit market problems revealed the existence of formal financial institutions, so that the non-formal financial institutions have high interest rates and the existence of market exclusivity. Secondly, the demand for agricultural credit, farmers, cooperative economic organizations based agriculture and agro-based enterprise economic organizations were analyzed, the endowment effect theory from agriculture-related credit those who need to find their own point of view the main reason for the demand is not met. Thirdly, agricultural credit providers that formal financial institutions and informal financial institutions were analyzed by anchoring effect, reference theory and mental accounting theory from agro-credit providers to identify their own problems of lack of effective supply main reason.Through analysis the main line of these three chapters, draw the root cause of the imbalance between supply and demand of agricultural credit market, for these conclusions, with the market in the perpetrator’s own characteristics, from their own behavior regulate the behavior of people and ideas change radically to improve the mapping of agricultural credit market macro environment. Through the demand for credit by credit and credit providers to enhance the impression of change framing, better improvement of agricultural credit market, balance supply and demand, in order to better achieve agricultural development and industrial upgrading of the rural economy.