A Study On The Causes And Effects Of Cross-Regional Flow Of Rural Credit Funds

2019 is a crucial year to win the battle against poverty.Financial support is indispensable for targeted poverty alleviation.Many rural financial institutions have also helped farmers out of poverty,rural hat off,and achieved good results.However,due to the commercial,profit-driven financial institutions,rural credit capital profit is low,many financial institutions still exist credit capital outflows,such problems as inadequate funding support in rural areas,in both commercial operation of the big four commercial Banks as the main role of the new type of rural financial institutions for supporting agriculture,have become "editor" of rural capital,seriously hindered the sustainable development of rural economy.In order to make rural finance better serve rural revitalization and help alleviate poverty,this paper takes financial institutions in Y county as the research object and studies the outflow of rural capital in Y county through its flow channels.Firstly,according to the data,the deposit and loan data of rural finance in Y county are analyzed from the theoretical level to understand the current situation of cross-regional flow of funds.Secondly,in-depth analysis of cross-regional flow channels of funds,found that the agricultural bank of China Y county branch,county bank,postal savings bank Y branch is put money out of the rural financial institutions,such as the important channel,investigate its reason mainly is that for the new type of rural financial institutions,support agriculture mission and bank profits is difficult to balance;For grassroots commercial Banks,it is difficult to match the nature of pursuing profits with supporting agriculture,and the credit risk of supporting agriculture is too large.For policy-based finance,the service object is mainly grain and oil reserves,and only a few loans are used for industrial poverty alleviation.However,the cross-regional flow of funds has brought many disadvantages to Y county,which not only aggravates the degree of "hollow village",but also leads to the "two-way loan reluctance" between farmers and Banks,further widening the gap between urban and rural areas.In order to better solve the problem of Y county district funds,guarantee funds internal circulation in the rural areas,in combination with the practical situation of Y county,this paper proposed the establishment and Y county rural development that meet the needs of financial support agriculture system,external environment,the implementation of financial policy to improve the rural financial incentives,such as guiding rural capital return policy Suggestions,in order to break the urban and rural "dual economy",realize a well-off society in an all-round way.