The Analysis Of Supply And Demand Equilibrium About Rural Financial Services In Less Developed Areas

Rural finance is the core of the new rural development and rural reform and development needs a sound rural financial service system. Since reform and opening, China's rural financial system has been improving and expanding rural financing channels. However, in countries adopt policies, and vigorously promote rural financial system reform in the context of China's rural areas, particularly the less developed areas of rural financial services market demand is still not fully satisfied, the problem of imbalance between supply and demand of rural finance has not been very good solutionThis article starts with the theoretical points of view of financial services in less developed rural areas of supply and demand imbalances, then analyzes the characteristics of the economy in less developed regions. the effectiveness and financial needs of less developed areas is the overall low level of, financial needs and the effectiveness of the distribution function of body distribution imbalance still exists. In the developed areas of financial supply side, there is a small number of agencies, with low coverage. This article is with the case of Yang Gu County of Shandong Province. Shandong Province is China's major agricultural province, is also one of the first provinces to take implementation of the rural financial system reform in china. Yang Gu County as one of less developed agricultural County in Lu xi county, is an less developed western regions, with a representative. On the demand side, the main analysis of the needs and requirements of the main categories, as well as 18 county towns of the actual survey data, obtained in rural demand for financial services growing in the aggregate, the structure presents a variety of conclusions. On the supply side, the main analysis of the supply problems, and from Yang Gu County farmers credit the amount of each township, with the amount of the letter, etc., come to the overall shortage of supply of rural financial conclusion.This article also briefly describes the main foreign national rural financial development, which sum up to the sound of China's rural financial system useful suggestions. Finally, puts forward countermeasures and suggestions such as actively cultivating a wide range of rural financial services institutions in the organization to supplement the lack of rural financial system, increasing the supply of rural financial services. Strengthening the policy function of financial support for agricultures to address agricultural industry due to weak credit risk compensation. improving Agriculture continues to play a dominant role of rural credit cooperatives, And increasing credit for agriculture and promote rural economic development. Actively exploring new rural financial and credit model, improving agriculture-related financial institutions, services and role in enhancing the effectiveness of the supply of rural financial services, balancing supply and demand imbalance in the state.