Analysis On The Supply And Demand Of Rural Credit Funds In Xundian County Of Yunnan Province

At present,the adjustment of rural industrial structure,the rapid development of private economy,the construction of rural infrastructure and urbanization,the effective transfer of rural surplus labor force,and the return of migrant workers to their home businesses have created huge demand for funds in the development of rural economy.However,compared with the huge demand for funds,the supply of funds is still limited,and it is difficult to meet the financial needs of agricultural and rural economic development.Xundian County of Yunnan Province,is a small number of national poverty alleviation and development counties with four nationalities,including ethnic,poverty-stricken,mountainous and old liberated areas.There is a great contradiction between supply and demand of rural credit funds.Xundian County,the contradiction between supply and demand of rural credit funds concentrated on the financial ecological environment is poor,the related mechanism is not perfect,the financial institutions credit shortage,rural credit funds supply structure unreasonable,agriculture,credit products,lack of kinetic single period and the agricultural project payback period of asymmetry,part of farmers and rural enterprises own conditions and the economy is weak,it is difficult to obtain credit from formal financial institutions to support the coordinated development of agriculture and rural economy.In this paper,based on the relevant theories at home and abroad to understand the rural finance,rural credit funds supply theory,demand theory,rural credit funds of rural credit funds supply and demand imbalance,starting from Xundian County Rural Credit Supply and demand of capital supply,rural credit funds to the formal financial sector supply as the main line,the informal financial sector credit funds supply as the supplement,to predict the next three years,Xundian County Rural Credit Funds supply.From the demand side,rural enterprises and farmers in two rural credit demand is subject to analyze,according to the characteristics of the financial needs of farmers,farmers will be divided into poor farmers,farmers and farmers to maintain the market,through the form of questionnaire,in the county in 4 representative towns to obtain the sample of farmers demand for funds,the survey results show that the credit needs of farmers in the county has three characteristics: first,the household loan demand of different types of performance levels;second,the income level of farmers and the borrowing rate showed a positive correlation;thirdly,the loan supply of formal financial institutions is difficult to meet the farmers' demand for loans,on the basis of inference the county overall peasant household credit demand;through the acquisition of the county rural enterprise loans mainly supply of Xundian agricultural firms,agricultural bank seeking The respective loan satisfaction rate of the sub branches and the stock loans of the rural enterprises in the County Commercial Bank of Xundian and the Xundian branch of the Agricultural Bank of the county accord with the corresponding proportions,and the credit demand of the total rural enterprises in the county area is estimated.Then combined with the situation of the supply and demand of rural credit funds,based on the previous and present data,that in the next three years the county rural credit funds supply and demand gap,and the establishment of capital supply and demand supply and demand curve model,a simple game model,reveals the profound contradictions of Xundian County Rural Credit Supply and demand,on this basis,the proposed resolution respectively.The problems from the government and the demand for funds,money supply.The government,first of all,pay attention to the financial ecological environment construction,rural credit from the "prisoner's dilemma";secondly,continued to optimize the policy environment,enhance agricultural project income,enhance the solvency of rural enterprises and farmers;thirdly,improve the relevant supporting mechanism,reduce the credit transaction cost.In terms of demand,rural enterprises and farmers should take the initiative to improve their environment,improve their credit level,understand relevant laws and regulations,reduce the cost of credit transactions,establish mutual aid teams among farmers,and help them get loans for heating.The supply side,first,to change the idea,increase the effective supply of rural credit funds;second,take the initiative to promote the credit funds to the "three rural" tilt,as a positive;third,improve the credit rating mechanism,reduce the risk of loans in rural areas sank fourth,;perfect credit management system,reduce the opportunity cost of loans in rural areas;fifth,targeted innovative financing products to solve the problem,use the structure of rural credit funds balance,imbalance period.On the government,capital supply side and demand side efforts,first of all,through improving the utilization rate of funds to make up the funding gap between supply and demand,secondly,through preferential policies,rural credit service innovation to increase the supply of rural credit,finally,through the improvement of farmers and rural enterprises in their own operating conditions,enhancing the level of credit for loan the qualification,and concerted efforts to encourage banks and farmers and rural enterprises between the long-term credit relationship,credit transaction cost reduction,reduction of agricultural and rural development in the barriers and constraints,leveraging more social capital and Rural Revitalization Strategy,reduce,make up the rural credit funds supply and demand gap,achieve win-win situation.