Study On Rural Financing In Guazhou County

With the increasing demand for financing in rural areas,insufficient supply is the main problem that restricts the development of rural finance.After years of reform and development,the construction of multi-level rural financial system has been effective in China,including commercial banks,policy banks,rural credit cooperatives,new rural financial system and informal financial organizations.However,because of the weak nature of agriculture itself and the systematic design deviation in many reforms in recent years,the rural finance is still the "weak group" in the financial system of our country,the availability of credit supply is low and the capital outflow is serious,which has seriously restricted the rural areas of China.The healthy development of regional economy.This article takes Guazhou County Rural financing as the research object,using literature review,field investigation,empirical analysis and other methods,using a large number of data to analyze the current situation of rural financing supply and demand in Guazhou County,analyze the bottleneck of financing development,and explore the development path suitable for rural financing in this area.Guzhou is a poverty-stricken agricultural county with backward economic development and remote location.Financial support is more important.However,because of the weak credit consciousness of farmers,no quality collateral and other reasons,it is not popular with bank loans.On the basis of Guazhou County as a field survey,this paper empirically analyses the financing status of farmers,rural individual industrial and commercial households and small and medium-sized enterprises in rural areas,from two angles of demand and supply,to melon.The status quo and problems of state rural financing are analyzed and discussed.After investigation and research,the conclusions are as follows: first,the imbalance between financial supply and demand is the most important contradiction in Guazhou county.The survey data shows that the potential financial demand of Guazhou county is large and the gap of financing supply and demand is large.Second,the survey found that the farmers,individual industrial and commercial households and rural SMEs in Guazhou County,regardless of their financing uses,financing duration and financing demand,are more flexible and diversified,but it is difficult to get more personalized and regular financial support.Third,the guarantee problem is the main problem of rural loans in Guazhou county now,because the agricultural production has a strong seasonality and a long cycle and a strong dependence on nature,which leads to the greater risk of financing the farmers engaged in agriculturalproduction,and the farmers who are not engaged in agricultural production can not solve their own development because of lack of funds.The main problem is to decide the source of repayment.Fourth,the credit consciousness of some farmers in Guazhou County,the individual industrial and commercial household owners in rural areas and the owners of small and medium-sized enterprises in rural areas is poor,and the performance of the impoverished people in the resettlement areas is more obvious.Fifth,because of the geographical environment in the rural areas,the availability of financial institutions is low and the channel of obtaining financial knowledge is less,the publicity of financial knowledge is not in place.In view of the conclusions of this paper,this paper puts forward the policy suggestions of broadening the supply channels to meet the financing needs,increasing the innovation to meet the multiple demand,establishing a new mode of rural property mortgage loan,and perfecting the construction of the credit system.