Demand Oriented Optimization Of Rural Financial Supply Structure In Guangxi

Financing difficulty,finance and other rural financial supply and demand contradiction is a long-term constraint to China's rural economic development of the important factors.To implement the strategy of rural revitalization,we must improve the rural financial supply system suitable for agriculture and rural areas.The central file no.1(2016)pointed out that speed up the construction of multi-level and broad cover and sustainable supply of rural financial system,development of rural pratt &finance,reduce the financing cost,fully activate the rural financial service chain,structural reforms to boost agricultural supply side,the rural financial supply structure adjustment and optimization is necessary.As a typical agricultural area in western China,the problems of rural economic and financial development and the outstanding contradiction between rural financial supply and demand have not been effectively solved in the long term.Based on this,this paper takes the demand oriented rural financial supply structure in Guangxi as the starting point,and takes the nineteen major rural financial supply system of agriculture and rural areas as the research entry point,taking the 515 typical farmers of Guangxi as the research object,to agricultural credit subsidies theory,rural financial market,rural finance imperfect competition market theory to study the theoretical basis,the surrounding farmers financing demand characteristics,the factors restricting the farmers financing needs,the characteristic of guangxi rural financial supply and supply gap,guangxi rural financial supply side problems of structural optimization,etc.To promote the rural financial supply side reform,the establishment of modern rural financial supply mechanism cannot be separated from the research on the financing needs of rural financial demand and the factors affecting the financing of rural households.This paper based on the guangxi 14 cities and 515 field survey data of typical farmers from financing purpose,financing scale,financing,financing channels and financing trends such as point of system analysis,summed up the financing demand characteristics and influencing factors of farmers and the results show that: first,the present stage of guangxi farmers financing demand presents thepurpose of financing for more productive management,more financing channels for private financing,financing scale and other basic features;Secondly,the characteristics and economic characteristics of farmers have different influences on the financing needs of farmers and the choice of financing channels,and there is certain financial repression.Second,by general guangxi rural financial supply,the characteristic of rural financial supply and supply the gap to and the main body and its rural financial supply supply service level from three aspects of the empirical analysis on the current situation of guangxi's rural financial supply.The results show that the level of rural financial supply service in guangxi has been improved,but it still lags behind the overall development level of urban finance.Rural capital outflow is serious in guangxi,and the rural financial supply gap is long and growing.Guangxi rural financial supply side problems,rural financial organizations to support rural revitalization development mechanism remains to be further optimized,farmers financing requirements not met for a long time,the rural financial supply contained phenomenon has become increasingly serious.As a result,we found that the guangxi rural financial supply side structure optimization process still exist many problems,mainly includes three aspects: one is the supply of rural financial institutions in guangxi side reform orientation and farmers financing demand does not match;Second,the structural mismatch of rural financial supply in guangxi is becoming more and more prominent.Third,the total shortage of rural financial supply in guangxi is the main contradiction.These problems may not only be unique to guangxi,but also the common problems in the process of structural reform of the financial supply side in other parts of China,especially the western rural areas.The ultimate aim of rural financial supply side structure optimization is to solve the structural contradiction of rural financial supply and demand,optimize the allocation of rural financial elements,give full play to the "hematopoiesis" function of rural finance,and constantly meet the needs of financial services in the development of rural economy.The realization of this goal requires the government and financial institutions to transfer from the supply side of rural finance to the demand of rural finance,and to build a demand oriented rural financial supply system.In the process of promoting the structural reform of rural financial supply side,it not only pays attention to optimizing the rural financial supply structure,but also pays attention tothe financing demand of the rural economic subject-farmers.Combined with the problems arising in the optimization process of rural financial supply side structure in Guangxi under the needs of the above farmers' needs and fully combining the actual situation of rural economic development in Guangxi,Guangxi needs to increase the financial supply of farmers as the key point of rural financial supply side reform,and optimize the supply of rural financial products matching supply and demand for farmers.To structure,to enhance the supply of supply,to build a multi-level,wide coverage,multi-functional rural financial organization supply structure;to build the relevant institutional framework to provide institutional support for the financing of farmers.