The Research On Financial Services Demand And Suppy Of Households In Xinjiang

Nowadays,the production scale of farmers have been expanding increasingly along with rapid development of the rural economy,Small and scattered characteristics of farmers gradually transforming to modern farmers.But farmers financing bottleneck problem has become one of the main reason for the further development of rural economy.Therefore, it analyzes the status quo of the farmers financial service supply and demand from the perspective of farmers demand, hoping to solve the problem of rural farmers financial repression and increase farmers income to provide some useful reference and reference, fianally it will promote the sustainable development of the modern development of agriculture and rural economy.Xinjiang is a big agricultural regions and the number of rural population is very large, its rural economy has a significant role in regional economic development.Under the new situation, xinjiang rural finance plays a important role in promoting rural economic development and increasing farmers income, So the leap-forward development of xinjiang and the new rural construction is inseparable from the rural financial support. The xinjiang farmers have increasingly strong demand for financial services.However,farmers financing inhibition has begun to restrict the development of rural economy,This leads to farmers financing is generally more difficult than other,and the rural financial repression phenomenon is widespread.In this paper, it makes a field survey about 4 a town of 300 farmers in Hutubi country.First of all, it makes a analysis about situation of the supply and demand of rural finance,The results shows that the total area about the supply of rural financial shortcomings,rural financial network coverage is narrow,the rural financial services products of bank is too single;The secondly,it analyzes the the farmer's basic situation of financial services demand basing a questionnaire survey, the results shows that the general farmers demand for financial services is very strong, but the survey of peasant household in agriculture also faces the phenomenon of financial repression;the supply and demand are structural imbalances. There are structural imbalances between supply and demand of rural financial through the comparisons of supply and demand of rural financial. Third, based on financial services of supply and demand analysis,The results found that farmers financial services imbalances because were the main influencing factors' s age, level of education of farmers, farmers planting scale, type of economic activity, farmer's production behavior preference, the farmer's family labor income of farm household, the farmer's family, and other factors.Finally, it makes a conclusion summarizing the financial service demand makes a the future research relating about financial services.