Imbalance Between Supply And Demand In Yanchen's Rural Finance And Countermeasures

The "Three Agriculture Problems" issue is always concerned by China. To provide financial support for rural finance is to achieve income farmers, agricultural development and rural stability, the premise of the strategic objectives. To establish a clear division of labor, functional complementary and financial bodies and a wide range of rural financial system and for increasing the effective supply of rural finance to accelerate agricultural and rural economic development is of great significance.Though our country has established a relatively perfect system of rural financial supply and demand structure. However, in recent years along with economic development and financial institutions, deepen the reform of the existing rural financial supply and demand structure have undergone tremendous changes:the Agricultural Bank of a large number of dismantling and merging the business network in the rural areas; the Agricultural Development Bank's business gradually declined, the policy function defects obvious; tendency of commercial operation of rural credit cooperatives serious, and its monopoly in the rural areas becoming increasingly serious. Existing rural financial system severely restricts the development of rural economy and farmers income levels increase. Therefore, to improve Yanchen's rural financial system is the construction of new socialist countryside inherent requirement.In this paper, Yanchen's rural financial supply and demand's status quo as the research object, in learning the theory of financial development, institutional economics, macroeconomics and other related disciplines, based on systematic analysis of Nanchen's rural financial supply and demand and the development of the status quo, pointing out that the issues and formation of the root causes of problems about the imbalance between supply and demand in Yanchen, and learn from foreign countries the rural financial system in the development of successful practices and experiences, combined with the current Yanchen's socialist new rural construction on the actual requirements of rural finance and put forward some policy recommendations and measures about imbalance between supply and demand in Yanchen's rural financial. This paper is divided into five parts. The first part is introduction, including:evidence and research topics of significance; literature review of existing research and the existing shortcomings; this is expected to achieve, using the research methodology and framework papers. The second part is the issue of China's rural financial supply and demand status quo diagnostic studies. In this section, the first of China's rural financial supply and demand theory were explained, reviewed and summed up China's rural financial supply and demand development process and the status quo, followed by the analysis pointed out that the rural financial supply and demand problems and the root cause of the problem. The third part analyzes the status quo of change of demand and insufficiency of supply of rural finance in Yanchen city area. Based on survey the agriculture's development in Yanchen city, we point out the status quo of the rural finance supply and demand in Yanchen city. In these analysis, it includes the types and features of the main body on demand and supply. In the forth part, according to the rural finance's supply aspect and demand aspect, we not only analysize the issues on the Yanchen's rural finance based on these two aspects, but also explain those questions' root causes. In the five part, drawing references from the theory of foreign rural financial development together with our rural financial development, we propose countermeasures on the basis of supply and demand of Yanchen's rural finance and of Yanchen rural financial risk supervision respectively.